| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND M SUESS3 Filed as: RAYMOND M. SUESS, JR., INC. | 144 NORTH WASHINGTON STREET SONORA, CA 95370 | CALIFORNIA PHYSICIANS SERVICE | $22K | $0 | $22K | 4.59% |
| USI INSURANCE SERVICES LLC3 | 630 WEST GERMANTOWN PIKE, SUITE 20 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $2K | $0 | $2K | 0.41% |
| RAYMOND M SUESS3 Filed as: RAYMOND M. SUESS, JR., INC. | 144 NORTH WASHINGTON STREET SONORA, CA 95370 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 4.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $673 | $0 | $673 | 0.23% |
| RAYMOND M SUESS3 Filed as: RAYMOND M. SUESS, JR., INC. | 144 NORTH WASHINGTON STREET SONORA, CA 95370 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $469 | $9K | 10.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SRVS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 7.90% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | PRINCIPAL LIFE INSURANCE COMPANY | $708 | — | $708 | 0.87% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 65 | $778K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $81K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $81K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $81K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 65 | $778K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.