| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 021101700 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 12.18% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DR SACRAMENTO, CA 95864 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 2.61% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 021101700 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DR SACRAMENTO, CA 95864 | RELIASTAR LIFE INSURANCE COMPANY | $274 | — | $274 | — |
| RSC INSURANCE BROKERAGE INC3 | 26101 MARGUERITE PKWY MISSION VIEJO, CA 926923203 | RELIASTAR LIFE INSURANCE COMPANY | — | $0 | $0 | — |
| MASSMARK INC3 | 85 WHITE BRIDGE RD STE 301 NASHVILLE, TN 372051564 | RELIASTAR LIFE INSURANCE COMPANY | — | $10K | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITRADE EIN 47-0533629 CONTRACTOR | Investment advisory (plan) Service code 27 | P.O. BOX 2577 OMAHA, NE 981032577 | $56K |
| ROBERT HAMILTON EIN 14-0362210 PLAN MANAGER | Plan Administrator Service code 14 | 1640 LAKEHILLS DRIVE EL DORADO HILLS, CA 95762 | $52K |
| GILBERT CPAS EIN 68-0037990 CONTRACTOR | Accounting (including auditing) Service code 10 | 2880 GATEWAY OAKS DR SACRAMENTO, CA 95833 | $30K |
| ACCOUNTING & CONSULTING SERVICES EIN 71-1040441 CONTRACTOR | Accounting (including auditing) Service code 10 | 4377 MYRTLE AVE SACRAMENTO, CA 95841 | $19K |
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 | 1,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,858 | $379K |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,347 | $557K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 46 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,347 | — |
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.