| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET, SUITE 2400 SAN FRANCISO, CA 94104 | KAISER PERMANENTE | $71K | $0 | $71K | 2.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SERVICE | 701 UNIVERSITY AVENUE, SUITE 100 SACRAMENTO, CA 95825 | KAISER PERMANENTE | $40K | $24 | $40K | 1.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | UNKNOWN SACRAMENTO, CA 95811 | DELTA DENTAL OF CALIFORNIA | $21K | $0 | $21K | 5.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | UNKNOWN SACRAMENTO, CA 95811 | DELTA DENTAL OF CALIFORNIA | $16K | $0 | $16K | 4.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 7.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 701 UNIVERSITY AVENUE, SUITE 100 SACRAMENTO, CA 95825 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $44 | $3K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $511 | $511 | 0.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL INS SERVICES | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $715 | $0 | $715 | 1.51% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $18 | $0 | $18 | 0.04% |
| DONNA DEVINY3 | 11112 CHESTER RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $4K | $359 | $4K | 8.57% |
| EDGEWOD PARTNERS INS CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $4K | $0 | $4K | 8.41% |
| ERIC N RAWLINGS3 Filed as: ERIC RAWLINGS | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $1K | $74 | $1K | 2.39% |
| JAMES S SARANTIS3 Filed as: JAMES SARANTIS & OTHER AGENTS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $484 | $0 | $484 | 1.05% |
| RONDA MATHEW3 | 2030 13TH STREET, APARTMENT 3 SACRAMENTO, CA 95818 | AFLAC | $352 | $74 | $426 | 0.92% |
| WARREN G BENDER CO3 | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $263 | $0 | $263 | 0.57% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $195 | $0 | $195 | 0.42% |
| MASOLI LAGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | LEGAL SHIELD | $2K | $0 | $2K | 10.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE C | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LEGAL SHIELD | $629 | $0 | $629 | 4.33% |
| WARREN G BENDER CO4 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | LEGAL SHIELD | $223 | $0 | $223 | 1.54% |
| CHERYL A. COBBIN4 Filed as: CHERYL A COBBIN | 2931 TILDEN DRIVE ROSEVILLE, CA 95661 | LEGAL SHIELD | $128 | $0 | $128 | 0.88% |
| INTEGRO INSURANCE BROKERS Filed as: EPIC INSURANCE BROKERS | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | TELEDOC HEALTHIESTYOU | $500 | $0 | $500 | 8.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | TELEDOC HEALTHIESTYOU | $340 | $0 | $340 | 6.07% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 229 | $2.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 514 | $368K |
| Vision | VISION SERVICE PLAN | 308 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $199K |
| Short-term disability | AFLAC | 40 | $46K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $199K |
| Prescription drug | KAISER PERMANENTE | 229 | $2.4M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 491 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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."
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.