| 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 | $43K | — | $43K | 5.00% |
| WARREN G BENDER CO3 Filed as: WARREN G BENDER CO. | 516 GIBSON DRIVE STE #240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 4.61% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER, CO. | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | DELTA DENTAL | $11K | — | $11K | 10.00% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER, CO. | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.39% |
| WARREN G BENDER CO3 | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | VISION SERVICE PLAN | $1K | — | $1K | 5.27% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER, CO. | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, STE 240 ROSEVILLE, CA 95678 | MAGELLAN BEHAVIORAL HEALTH | $546 | — | $546 | 12.01% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 119 | $1.4M |
| Dental | DELTA DENTAL | 171 | $111K |
| Vision | VISION SERVICE PLAN | 156 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $51K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 119 | $1.4M |
| Other | MAGELLAN BEHAVIORAL HEALTH | 185 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.