| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | -$6K | $0 | -$6K | -0.48% |
| ADAM MILLER3 | 3636 AMERICAN RIVER SACRAMENTO, CA 95864 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 5345 RIVERSIDE, CA 92517 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.68% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. & INS. SVCS., INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | VISION SERVICE PLAN | $13 | $0 | $13 | 0.03% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | VISION SERVICE PLAN | -$2K | $0 | -$2K | -4.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $467 | $0 | $467 | 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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 315 | $1.8M |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 449 | $371K |
| Vision | VISION SERVICE PLAN | 280 | $44K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 449 | $371K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 315 | $1.8M |
| Other(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 449 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.