| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDER JACOBS CASSAYRE & GRIFFIN3 | INC 3200 VILLA LANE NAPA, CA 94558 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $33K | — | $33K | 4.53% |
| BEERE & PURVES INC3 | 1350 TREAT BLVD #470 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $13K | $13K | 1.81% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 | INC DBA ISU 3200 VILLA LANE NAPA, CA 94558 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.03% |
| SANDER JACOBS CASSAYRE & GRIFFIN3 Filed as: SANDER, JACOBS, CASSAYRE & GRIFFIN | INC DBA ISU SANDER JACOBS CASSAYRE INSURANCE SERVICES 3200 VILLA LANE NAPA, CA 94558 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 9.29% |
| ISU SANDER, JACOBS, CASSAYRE3 | INSURANCE SERVICES 3200 VILLA LN NAPA, CA 945583017 | VISION SERVICE PLAN | $2K | — | $2K | 4.41% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 207 | $729K |
| Dental | UNION SECURITY INSURANCE COMPANY | 155 | $106K |
| Vision | VISION SERVICE PLAN | 154 | $34K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $42K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $42K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.