| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | SUTTER HEALTH PLAN | $37K | — | $37K | 2.86% |
| EPIC3 | 10877 WHITE ROCK RD STE 300 RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $27K | — | $27K | 2.14% |
| WARREN G BENDER CO3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 5.84% |
| WARREN G BENDER CO3 Filed as: WARREN G BENDER CO DBA | BENDER INSURANCE SOLUTIONS 516 GIBSON DR, STE 240 ROSEVILLE, CA 956785792 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $43 | $7K | 6.61% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $11 | $5K | 5.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $618 | $4K | 4.08% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DR SUITE 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $3K | — | $3K | 5.00% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $6K | $178 | $6K | 13.26% |
| WARREN G BENDER CO3 | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $2K | — | $2K | 4.42% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $743 | — | $743 | 1.66% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $590 | $41 | $631 | 1.41% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $449 | $41 | $490 | 1.09% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS INC | 1390 BROADWAY STE B-125 PLACERVILLE, CA 95667 | AFLAC | $349 | — | $349 | 0.78% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST CT PORTLAND, OR 97236 | AFLAC | $314 | — | $314 | 0.70% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 104 WISCONSIN ST LAKE WORTH, FL 33461 | AFLAC | $158 | — | $158 | 0.35% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $153 | — | $153 | 0.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $45 | — | $45 | 0.10% |
| GARY L. WHITE3 Filed as: GARY L WHITE | 36582 CROWN ST PALM DESERT, CA 92211 | AFLAC | $33 | — | $33 | 0.07% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $25 | — | $25 | 0.06% |
| GBS ARIZONA INC3 | 2333 W UNIVERSITY DR STE 103 TEMPE, AZ 85281 | AFLAC | $15 | — | $15 | 0.03% |
| MIDICI INSURANCE SERVICES LLC3 | 655 LOVEJOY LN LINCOLN, CA 95648 | AFLAC | $14 | — | $14 | 0.03% |
| BARRY A WHITE3 | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $14 | — | $14 | 0.03% |
| KEVIN G ROBERTS II3 | 3540 SPRINGFIELD DR FAIRFIELD, CA 94534 | AFLAC | $8 | — | $8 | 0.02% |
| SERAPIO M. NAMBO3 Filed as: SERAPIO M NAMBO | 2175 57TH AVE SACRAMENTO, CA 95822 | AFLAC | $8 | — | $8 | 0.02% |
| JOY E GUNDERSON3 | 2144 DENA DR CONCORD, CA 94519 | AFLAC | $7 | — | $7 | 0.02% |
| APRIL MARIE ROBERTS3 | 3540 SPRINGFIELD DR FAIRFIELD, CA 94534 | AFLAC | $5 | — | $5 | 0.01% |
| REBECCA STUART-GRISHAM3 Filed as: REBECCA A STUART-GRISHAM | PO BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $5 | — | $5 | 0.01% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICE INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $3 | — | $3 | 0.01% |
| JONATHAN ALI HAJIMOMEN3 | 6540 GRAND MANAN DR CYPRESS, CA 90630 | AFLAC | $1 | — | $1 | 0.00% |
| TYLER BENNETT3 Filed as: TYLER M BENNETT | 2280 E BIDWELL ST STE 200 FOLSOM, CA 95630 | AFLAC | $1 | — | $1 | 0.00% |
| LINDA BAILEY3 Filed as: LINDA G BAILEY | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $988 | — | $988 | 2.95% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $792 | — | $792 | 2.37% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | VISION SERVICE PLAN | $515 | — | $515 | 1.54% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $167 | — | $167 | 0.50% |
| WARREN G BENDER CO3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | DELTA DENTAL OF CALIFORNIA | $773 | — | $773 | 5.74% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | KAISER FOUNDATION HEALTH PLAN INC | -$589 | — | -$589 | — |
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 | 385 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 204 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 351 | $254K |
| Vision | VISION SERVICE PLAN | 210 | $33K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $107K |
| Short-term disability | AFLAC | 32 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $107K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 204 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.