| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | CALIFORNIACHOICE | $15K | — | $15K | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 6540 LONETREE BLVD STE 100 ROCKLIN, CA 95765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $711 | $711 | 3.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $565 | — | $565 | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 6540 LONETREE BLVD STE 100 ROCKLIN, CA 95765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $170 | $170 | 3.01% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $534 | — | $534 | 10.01% |
| ROGERS BENEFIT GROUP INC3 | 6540 LONETREE BLVD STE 100 ROCKLIN, CA 95765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $267 | $267 | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | VSP (COPOWER) | $522 | — | $522 | 10.01% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $689 | — | $689 | 14.99% |
| ROGERS BENEFIT GROUP INC3 | 6540 LONETREE BLVD STE 100 ROCKLIN, CA 95765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $230 | $230 | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | — | $316 | 9.99% |
| ROGERS BENEFIT GROUP INC3 | 6540 LONETREE BLVD STE 100 ROCKLIN, CA 95765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $158 | $158 | 5.00% |
| SIERRA BENEFIT SOLUTIONS3 | 5551 MEADOW CROFT LANE PILOT HILL, CA 95664 | TRANSAMERICA LIFE INSURANCE COMPANY | $410 | — | $410 | 15.13% |
| DECISELY INSURANCE SERVICES INC3 Filed as: DECISELY INSURANCE SERVICES, INC. | 10800 ALPHARETTA HIGHWAY SUITE 208 #784 ROSWELL, GA 30076 | TRANSAMERICA LIFE INSURANCE COMPANY | $109 | — | $109 | 4.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 601 UNIVERSITY AVE STE 250 SACRAMENTO, CA 95825 | TRANSAMERICA LIFE INSURANCE COMPANY | $35 | — | $35 | 1.29% |
| BARBARA A BULLION3 | 3486 E BOOT TRACK TRAIL GILBERT, AZ 85296 | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | — | $19 | 0.70% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 43 | $299K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23 | $29K |
| Vision | VSP (COPOWER) | 36 | $5K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $8K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $5K |
| Prescription drug | CALIFORNIACHOICE | 43 | $299K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.