| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $32K | — | $32K | 2.99% |
| WARREN G BENDER CO3 Filed as: WARREN G BENDER CO. | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.23% |
| JOHN O BRONSON CO INC3 Filed as: JOHN O BRONSON CO., INC. | PO BOX 255387 SACRAMENTO, CA 958655387 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92501 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 3.61% |
| WARREN G BENDER CO3 | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 1.40% |
| JOHN O BRONSON CO INC3 Filed as: JOHN O BRONSON CO INC DBA | PO BOX 255387 SACRAMENTO, CA 95865 | UNION SECURITY INSURANCE COMPANY | $700 | — | $700 | 0.66% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $6K | $332 | $7K | 21.81% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 1260 N DUTTON AVE, STE. 180 SANTA ROSA, CA 95401 | AFLAC | $1K | $66 | $1K | 4.71% |
| JAMES S SARANTIS3 | 1100 CORPORATE WAY, STE. 100 SACRAMENTO, CA 95831 | AFLAC | $941 | $66 | $1K | 3.24% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD, STE. 140 FOLSOM, CA 95630 | AFLAC | $206 | $66 | $272 | 0.88% |
| REBECCA STUART-GRISHAM3 Filed as: REBECCA A STUART-GRISHAM | P.O. BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $137 | — | $137 | 0.44% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 2265 RIVER PLAZA DR. APT. 209 SACRAMENTO, CA 95833 | AFLAC | $103 | — | $103 | 0.33% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $61 | — | $61 | 0.20% |
| DIANA CABRAL RENTCHLER3 | P.O. BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $53 | — | $53 | 0.17% |
| ELIZABETH H PENA3 | 2427 HILGARD AVE APT 23 BERKELEY, CA 94709 | AFLAC | $42 | — | $42 | 0.14% |
| GARY L. WHITE3 Filed as: GARY L WHITE | 78677 RAINSWEPT WAY PALM DESERT, CA 92211 | AFLAC | $40 | — | $40 | 0.13% |
| AUDREY ELAINE TIEN3 | 1555 RIVER PARK DRIVE, STE 206Q SACRAMENTO, CA 95815 | AFLAC | $39 | — | $39 | 0.13% |
| TYLER BENNETT3 Filed as: TYLER M BENNETT | 2280 E BIDWELL ST #200 FOLSOM, CA 95630 | AFLAC | $36 | — | $36 | 0.12% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $13 | — | $13 | 0.04% |
| KEVIN G ROBERTS II3 | 91 POAILANI PL KIHEI, HI 96753 | AFLAC | $10 | — | $10 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | AFLAC | $9 | — | $9 | 0.03% |
| LINDA BAILEY3 Filed as: LINDA G BAILEY | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $9 | — | $9 | 0.03% |
| ROBERT BENEFIEL3 | 207 N GILBERT RD STE 001 GILBERT, AZ 85234 | AFLAC | $8 | — | $8 | 0.03% |
| APRIL MARIE ROBERTS3 | 62 N MARKET ST STE 310 WAILUKU, HI 96793 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN O BRONSON CO INC3 Filed as: JOHN O BRONSON CO | 4400 MACARTHUR BLVD 8TH FL NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | STANDARD INSURANCE COMPANY | $813 | — | $813 | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 5345 RIVERSIDE, CA 925175345 | VISION SERVICE PLAN | $424 | — | $424 | 2.60% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 956785792 | VISION SERVICE PLAN | $411 | — | $411 | 2.52% |
| JOHN O BRONSON CO INC3 Filed as: JOHN O BRONSON BENEFITS | 3636 AMERICAN RIVER DR 2ND FL SACRAMENTO, CA 958645952 | VISION SERVICE PLAN | $179 | — | $179 | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92501 | UCD DENTAL OF CALIFORNIA, INC | $274 | — | $274 | 5.70% |
| WARREN G BENDER CO3 | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | UCD DENTAL OF CALIFORNIA, INC | $184 | — | $184 | 3.83% |
| JOHN O BRONSON CO INC3 Filed as: JOHN O BRONSON CO INC DBA | PO BOX 255387 SACRAMENTO, CA 95865 | UCD DENTAL OF CALIFORNIA, INC | $24 | — | $24 | 0.50% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, STE 240 ROSEVILLE, CA 95678 | MAGELLAN BEHAVIORAL HEALTH | $370 | — | $370 | 11.99% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 80 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $111K |
| Vision | VISION SERVICE PLAN | 114 | $16K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 128 | $106K |
| Long-term disability | STANDARD INSURANCE COMPANY | 127 | $29K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 128 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.