| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BROKERS INSURANCE AGENCY3 | 7750 COLLEGE TOWN DRIVE SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 5.04% |
| UNITED BROKERS INSURANCE AGENCY3 | 7750 COLLEGE TOWN DRIVE SACARAMENTO, CA 95825 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| UNITED BROKERS INSURANCE AGENCY3 | 7750 COLLEGE TOWN DRIVE SACRAMENTO, CA 95826 | VISION SERVICE PLAN | $794 | — | $794 | 7.06% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $328 | — | $328 | 11.81% |
| KEVIN SPANN3 | 7840 MADISON AVE., SUITE 186 FAIR OAKS, CA 95628 | UNION SECURITY INSURANCE COMPANY | $191 | — | $191 | 6.88% |
| ADMINISTRATIVE SERVICES, INC.5 Filed as: ADMINISTRATIVE SERVICES | 111 QUEEN ANNE AVE. SEATTLE, WA 98109 | UNION SECURITY INSURANCE COMPANY | — | $119 | $119 | 4.29% |
| YOLO DBA ARMSTRONG & ASSOCIATES3 | 239 W. COURT STREET WOODLAND, CA 95695 | UNION SECURITY INSURANCE COMPANY | $55 | — | $55 | 1.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY, INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | — | $42 | $42 | 1.51% |
| JAMES QUINNEY3 | 3031 STANFORD RANCH ROAD SUITE 2 #230 ROCKLIN, CA 95765 | UNION SECURITY INSURANCE COMPANY | $27 | — | $27 | 0.97% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 111 | $496K |
| Vision | VISION SERVICE PLAN | 91 | $11K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 160 | $16K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 16 | $3K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 111 | $496K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 160 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.