| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | UNITED HEALTHCARE INSURANCE COMPANY | $174K | — | $174K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 3.84% |
| WELLS FARGO INSURANCE SERVICES3 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 1.16% |
| JOE FERNANDEZ3 | 1201 ELM STREET, SUITE 4250 DALLAS, TX 75270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 26.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 2.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1039-A NORTH MCDOWELL BLVD PETALUMA, CA 94954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $3K | $31K | 21.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS | 1039-A NORTH MCDOWELL BLVD PETALUMA, CA 94954 | THE LINCOLN NATIONAL LIFE INSURANCE CARRIER | $21K | $1K | $23K | 26.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CALIFORNIA INS SRVS, | INC. P.O. BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $2K | — | $2K | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CA INSURANCE SVCS | 1039-A NORTH MCDOWELL BLVD PETALUMA, CA 94954 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $767 | $11K | 16.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 7.40% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES, INC | P.O. BOX 39000 SAN FRANCISCO, CA 94139 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 2.60% |
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 | 554 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 554 | $4.5M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 354 | $376K |
| Vision | VISION SERVICE PLAN | 462 | $69K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $141K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CARRIER | 185 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $65K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 554 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.