| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE DRIVE, SUITE 650 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $55K | $635 | $56K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 4.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3697 MOUNT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 94549 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 4.33% |
| CRAIG ALLEN HENRY PFAFF3 | 9672 ELMIRA CIRCLE SACRAMENTO, CA 95827 | AFLAC | $3K | $0 | $3K | 7.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | AFLAC | $2K | $0 | $2K | 3.92% |
| ROBERT L. PILENTON3 Filed as: ROBERT L. PILKENTON ET AL. | 1100 CORPORATE WAY, SUITE 100 SACRAMENTO, CA 95831 | AFLAC | $1K | $0 | $1K | 2.79% |
| DIANA CABRAL RENTCHLER3 | PO BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $852 | $0 | $852 | 2.13% |
| LEON NORMAN DAVIDSON3 | 1230 ARROYO GRANDE DRIVE SACRAMENTO, CA 95864 | AFLAC | $770 | $0 | $770 | 1.92% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 2251 DOUGLAS BOULEVARD, SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $721 | $0 | $721 | 1.80% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $453 | $0 | $453 | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.54% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 158 | $1.3M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 215 | $75K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 137 | $71K |
| Short-term disability | AFLAC | 53 | $40K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 158 | $1.3M |
| Other(3 contracts, 3 carriers) | AFLAC | 137 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.