| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | — | $38K | 2.71% |
| VERUS INSURANCE SERVICES, LLC3 | 8723 SIERRA COLLEGE ROSEVILLE, CA 95661 | SHARP HEALTH PLAN | $35K | — | $35K | 3.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | — | $26K | 3.04% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 8.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | MEDIEXCEL HEALTH PLAN | $6K | — | $6K | 4.43% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | HEALTH PLAN OF NEVADA | $5K | — | $5K | 3.28% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | EYEMED VISION CARE | $10K | — | $10K | 10.38% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $2K | $12K | 18.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 18.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $26 | $2K | 3.69% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | ALLYHEALTH LLC | $4K | — | $4K | 22.23% |
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 | 1,411 | 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) | 1,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 261 | $3.8M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,095 | $650K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 1,153 | $1.3M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,411 | $279K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 296 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $119K |
| Prescription drug(6 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 261 | $3.8M |
| Other(7 contracts, 3 carriers) | SHARP HEALTH PLAN | 1,411 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,411 | — |
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.