| 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 | $60K | — | $60K | 5.00% |
| GANDY, CRAIG M.3 Filed as: GANDY, CRAIG M | 6540 LONETREE BLVD., SUITE 100 ROCKLIN, CA 95765 | CALIFORNIA PHYSICIANS SERVICE | — | $48K | $48K | 4.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 4.84% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 1.60% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.39% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $152 | $2K | 1.49% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 27.01% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.69% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $321 | $321 | 1.50% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $290 | $290 | 1.50% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | — | $593 | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $89 | $89 | 1.50% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $574 | — | $574 | 9.99% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $86 | $86 | 1.50% |
| COREMARK INSURANCE SERVICES, INC.3 Filed as: COREMARK INSURANCE SERVICES | 4430 DUCKHORN DRIVE SACRAMENTO, CA 95834 | METLIFE LEGAL PLANS | $449 | — | $449 | 8.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 62 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $124K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 93 | $17K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $47K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 31 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $21K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 62 | $1.5M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.