| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 0.31% |
| CHRIS BENDER3 | 516 GIBSON DRIVE ROSEVILLE, CA 95678 | KANSAS CITY LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.21% |
| ADAM MILLER3 | 3636 AMERICAN RIVE SACRAMENTO, CA 95864 | KANSAS CITY LIFE INSURANCE COMPANY | $530 | $0 | $530 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 5345 RIVERSIDE, CA 92517 | VISION SERVICE PLAN | $152 | $0 | $152 | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS, INC. | 3636 AMERICAN RIVER DRIVE, SUITE 10 SACRAMENTO, CA 95864 | LANDMARK HEALTHPLAN | $940 | $0 | $940 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS, INC. | PO BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $324 | $0 | $324 | 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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 281 | $1.3M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 367 | $267K |
| Vision | VISION SERVICE PLAN | 245 | $35K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 367 | $267K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 281 | $1.3M |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 367 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.