| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN, INC | 1730 I ST STE 240 SACRAMENTO, CA 958113017 | KAISER FOUNDATION HEALTH PLAN INC. | $175K | — | $175K | 3.96% |
| JD ALLMAN, INC.3 Filed as: J.D. ALLMAN, INC | 1730 I ST STE 240 SACRAMENTO, CA 958113017 | KAISER FOUNDATION HEALTH PLAN INC | $104K | — | $104K | 4.00% |
| OMEGA BENEFITS GROUP INC3 Filed as: OMEGA GROUP | 1730 I STREET SUITE 240 SACRAMENTO, CA 95811 | GERBER LIFE INSURANCE COMPANY | $100K | — | $100K | 10.00% |
| OMEGA SOURCE3 | 9290 WEST STOCKTON BLVD SUITE 104 ELK GROVE, CA 95758 | GERBER LIFE INSURANCE COMPANY | $50K | — | $50K | 5.00% |
| OMEGACOMP HR3 | 1730 I STREET SUITE 240 SACRAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 20.00% |
| JD ALLMAN, INC.3 Filed as: J.D.ALLMAN INC. | PO BOX 2188 RANCHO CORDOVA, CA 957412188 | VISION SERVICE PLAN | $5K | — | $5K | 1.93% |
| OMEGACOMP HR3 | 1730 I STREET SACRAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| OMEGACOMP HR3 | 1730 I STREET SUITE 240 SACRAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| OMEGACOMP HR3 | 1730 I STREET SUITE 240 SACRAMENTO, CA 95811 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 14.99% |
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 | 4,163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 990 | $8.0M |
| Dental | WDS EMPLOYEE DENTAL PLAN | 3,653 | $151K |
| Vision | VISION SERVICE PLAN | 1,972 | $234K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,028 | $249K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 367 | $275K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,028 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,028 | — |
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."
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.