| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $49K | $0 | $49K | 4.62% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, GA 95678 | SUTTER HEALTH PLAN | $44K | $0 | $44K | 5.00% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | DELTA DENTAL OF CALIFORNIA | $26K | $0 | $26K | 10.00% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, GA 95678 | WESTERN HEALTH ADVANTAGE | $10K | $0 | $10K | 4.53% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 10.38% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.41% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | MAGELLAN HEALTH SERVICES | $785 | $0 | $785 | 11.99% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | HEALTHIEST YOU | $162 | $0 | $162 | 15.01% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 185 | $2.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 417 | $259K |
| Vision | VISION SERVICE PLAN | 201 | $34K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $111K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $111K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 185 | $2.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 897 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.