| 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. | $19K | — | $19K | 4.58% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $4K | $33K | 53.80% |
| UNITED BROKERS INSURANCE AGENCY3 | 7750 COLLEGE TOWN DRIVE SACRAMENTO, CA 95826 | VISION SERVICE PLAN | $777 | — | $777 | 7.23% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $102 | — | $102 | 12.01% |
| KEVIN SPANN3 | 7840 MADISON AVE., SUITE 186 FAIR OAKS, CA 95628 | UNION SECURITY INSURANCE COMPANY | $60 | — | $60 | 7.07% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | — | $37 | $37 | 4.36% |
| YOLO DBA ARMSTRONG & ASSOCIATES3 | 239 W. COURT STREET WOODLAND, CA 95695 | UNION SECURITY INSURANCE COMPANY | $17 | — | $17 | 2.00% |
| 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 | — | $13 | $13 | 1.53% |
| JAMES QUINNEY3 | 3031 STANFORD RANCH ROAD SUITE 2 #230 ROCKLIN, CA 95765 | UNION SECURITY INSURANCE COMPANY | $8 | — | $8 | 0.94% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 120 | $414K |
| Vision | VISION SERVICE PLAN | 93 | $11K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $62K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 13 | $849 |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 120 | $414K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.