| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS, LLC | UNKNOWN OAKLAND, CA 94603 | KAISER PERMANENTE | $53K | $0 | $53K | 4.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | UNKNOWN OAKLAND, CA 94603 | KAISER PERMANENTE | $13K | $0 | $13K | 1.06% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | KAISER PERMANENTE | $10K | $0 | $10K | 0.81% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS, LLC | UNKNOWN OAKLAND, CA 94603 | ANTHEM BLUE CROSS | $7K | $0 | $7K | 4.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | UNKNOWN OAKLAND, CA 94603 | ANTHEM BLUE CROSS | $4K | $0 | $4K | 2.50% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | ANTHEM BLUE CROSS | $1K | $0 | $1K | 0.85% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 EAST HAMILTON AVENUE, SUITE 500 CAMPBELL, CA 95008 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $2K | $12K | 9.23% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 5114 POINT FOSDICK DRIVE, SUITE F41 GIG HARBOR, WA 98335 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.77% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $490 | $490 | 0.38% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS, LLC | UNKNOWN OAKLAND, CA 94603 | SUTTER HEALTH PLAN | $2K | $0 | $2K | 4.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | UNKNOWN OAKLAND, CA 94603 | SUTTER HEALTH PLAN | $1K | $0 | $1K | 2.50% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $564 | $0 | $564 | 0.95% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 900 EAST HAMILTON AVENUE, SUITE 500 CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | $67 | $404 | 9.84% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 5114 POINT FOSDICK DRIVE, SUITE F41 GIG HARBOR, WA 98335 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $169 | $169 | 4.12% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73 | $0 | $73 | 1.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $37 | $37 | 0.90% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 148 | $1.5M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 167 | $129K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 167 | $129K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $4K |
| Prescription drug(3 contracts, 3 carriers) | KAISER PERMANENTE | 148 | $1.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 237 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.