| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND M SUESS3 Filed as: RAYMOND M SUESS, JR | 144 N WASHINGTON ST SONORA, CA 95370 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 5.00% |
| RAYMOND M SUESS3 Filed as: RAYMOND M SUESS, JR | 144 N WASHINGTON ST SONORA, CA 95370 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| BENEFITMALL3 Filed as: BENEFITMAL HOLDING | 12404 PARK CENTRAL DR DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 7.01% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVE STE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $581 | $581 | 0.83% |
| RAY SUESS INSURANCE SERVICES3 | 144 N WASHINGTON ST SONORA, CA 65370 | PRINCIPAL LIFE INSURANCE COMPANY | $771 | $0 | $771 | 9.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $390 | $0 | $390 | 4.66% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 49 | $213K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $79K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $79K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 139 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.