| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGEE & THIELEN INSURANCE BROKERS3 Filed as: MCGEE THIELEN & PURVES INS | 3840 ROSIN COURT, SUITE 245 SACRAMENTO, CA 95834 | AETNA HEALTH INC. | $43K | — | $43K | 4.54% |
| AMWINS3 Filed as: LEBHERZ INSURANCE SERVICES INC LISI | 1600 WEST HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | AETNA HEALTH INC. | $8K | — | $8K | 0.84% |
| AMWINS3 Filed as: LEBHERZ INSURANCE SERVICES INC LISI | 1600 WEST HILLSDALE BLVD SAN MATEO, CA 94402 | AETNA HEALTH INC. | $687 | — | $687 | 0.07% |
| MCGEE & THIELEN INSURANCE BROKERS3 Filed as: MCGEE THIELEN & PURVES INS | 3840 ROSIN CT SUITE 245 SACRAMENTO, CA 95834 | AETNA LIFE INSURANCE CO | $3K | — | $3K | 9.09% |
| AMWINS3 Filed as: LEBHERZ INSURANCE SERVICES INC LISI | 1600 WEST HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | AETNA LIFE INSURANCE CO | $500 | — | $500 | 1.70% |
| AMWINS3 Filed as: LEBHERZ INSURANCE SERVICES INC LISI | 1600 WEST HILLSDALE BLVD SAN MATEO, CA 94402 | AETNA LIFE INSURANCE CO | $35 | — | $35 | 0.12% |
| MCGEE & THIELEN INSURANCE BROKERS3 | 3840 ROSIN CT STE 245 SACRAMENTO, CA 95834 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 128 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 173 | $29K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $11K |
| Life insurance | AETNA LIFE INSURANCE CO | 132 | $4K |
| Other | AETNA LIFE INSURANCE CO | 132 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.