| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | CALIFORNIA PHYSICIANS SERVICE | $26K | — | $26K | 5.00% |
| GANDY, CRAIG M.3 Filed as: GANDY, CRAIG M | 6540 LONETREE BLVD., SUITE 100 ROCKLIN, CA 95765 | CALIFORNIA PHYSICIANS SERVICE | — | $21K | $21K | 4.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 4.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 1.43% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.94% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $662 | — | $662 | 1.51% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 38.73% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $124 | $124 | 1.49% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $123 | $123 | 1.50% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | AMERITAS LIFE INSURANCE CORP. | $638 | — | $638 | 10.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $626 | — | $626 | 10.00% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $94 | $94 | 1.50% |
| COREMARK INSURANCE SERVICES, INC.3 Filed as: COREMARK INSURANCE SERVICES | 4430 DUCKHORN DRIVE SACRAMENTO, CA 95834 | METLIFE LEGAL PLANS | $422 | — | $422 | 7.99% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $223 | — | $223 | 9.99% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $33 | $33 | 1.48% |
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 | 135 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 74 | $672K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $44K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 103 | $6K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $26K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $8K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 74 | $672K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 135 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.