| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR SUITE 100 FOLSOM, CA 95630 | KAISER FOUNDATION HEALTH PLAN REGION CA | $31K | $0 | $31K | 4.27% |
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR SUITE 100 FOLSOM, CA 95630 | WESTERN HEALTH ADVANTAGE | $15K | $0 | $15K | 6.88% |
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR SUITE 100 FOLSOM, CA 95630 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 14.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN REGION CA | 82 | $942K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $146K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 114 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.