| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 | 10877 WHITE ROCK RD STE 300 RANCHO CORDOVA, CA 956706171 | SUTTER HEALTH PLAN | $103K | — | $103K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $95K | — | $95K | 5.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF CALIFORNIA | $32K | — | $32K | 9.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | WESTERN HEALTH ADVANTAGE | $11K | — | $11K | 5.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 10.35% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 6.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 4675 MACARTHUR CT STE 750 NEWPORT BEACH, CA 926608891 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $5K | — | $5K | 10.04% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $4K | $253 | $5K | 9.94% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $1K | $64 | $1K | 2.81% |
| RONDA MATHEW3 | 2030 13TH ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $396 | $32 | $428 | 0.92% |
| WARREN G BENDER CO3 | PO BOX LINCOLN, CA 95648 | AFLAC | $294 | — | $294 | 0.63% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $229 | $19 | $248 | 0.53% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST CT PORTLAND, OR 97236 | AFLAC | $156 | — | $156 | 0.33% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $143 | — | $143 | 0.31% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS INC | 1390 BROADWAY STE B-125 PLACERVILLE, CA 95667 | AFLAC | $77 | — | $77 | 0.17% |
| JACE G KUERSTEN3 | 1574 SAN FRANANDO DR CORONA, CA 92882 | AFLAC | $43 | — | $43 | 0.09% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T DUBE | 104 WISCONSIN ST LAKE WORTH, FL 33461 | AFLAC | $31 | — | $31 | 0.07% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $30 | — | $30 | 0.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | VISION SERVICE PLAN | $2K | — | $2K | 3.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $219 | — | $219 | 0.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 102160 PASADENA, CA 911892160 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGA SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | PRE-PAID LEGA SERVICES INC DBA LEGALSHIELD | $611 | — | $611 | 3.90% |
| WARREN G BENDER CO4 | 516 GIBSON DR STE 240 ROSEVILLE, CA 95678 | PRE-PAID LEGA SERVICES INC DBA LEGALSHIELD | $283 | — | $283 | 1.81% |
| CHERYL A. COBBIN4 Filed as: CHERYL A COBBIN | 2931 TILDEN DR ROSEVILLE, CA 95661 | PRE-PAID LEGA SERVICES INC DBA LEGALSHIELD | $148 | — | $148 | 0.95% |
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) | SUTTER HEALTH PLAN | 254 | $4.1M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 475 | $337K |
| Vision | VISION SERVICE PLAN | 276 | $44K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $177K |
| Short-term disability | AFLAC | 39 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $177K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 254 | $4.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 486 | $239K |
| 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.