| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $94K | — | $94K | 3.15% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 1.56% |
| EPIC3 | 10877 WHITE ROCK RD STE 300 RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $71K | — | $71K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF CALIFORNIA | $27K | — | $27K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | WESTERN HEALTH ADVANTAGE | $10K | — | $10K | 4.61% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $15K | 12.03% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $7K | $13K | 10.40% |
| WARREN G BENDER CO3 | DBA BENDER INSURANCE SOLUTIONS 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.84% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $4K | $366 | $4K | 10.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $3K | — | $3K | 6.23% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $977 | $85 | $1K | 2.61% |
| WARREN G BENDER CO3 | PO BOX LINCOLN, CA 95648 | AFLAC | $906 | — | $906 | 2.23% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $282 | $83 | $365 | 0.90% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $325 | — | $325 | 0.80% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $228 | $41 | $269 | 0.66% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS INC | 1390 BROADWAY STE B-125 PLACERVILLE, CA 95667 | AFLAC | $190 | — | $190 | 0.47% |
| RONDA MATHEW3 | 2030 13TH ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $163 | $10 | $173 | 0.43% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST CT PORTLAND, OR 97236 | AFLAC | $166 | — | $166 | 0.41% |
| JACE G KUERSTEN3 | 1574 SAN FRANANDO DR CORONA, CA 92882 | AFLAC | $62 | — | $62 | 0.15% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 104 WISCONSIN ST LAKE WORTH, FL 33461 | AFLAC | $40 | — | $40 | 0.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5666 CONCORD, CA 94524 | VISION SERVICE PLAN | $2K | — | $2K | 4.12% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GOERGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $176 | — | $176 | 0.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | -$462 | — | -$462 | -1.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
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 | 486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 223 | $4.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 409 | $286K |
| Vision | VISION SERVICE PLAN | 261 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $126K |
| Short-term disability | AFLAC | 41 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $126K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 223 | $4.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.