| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAYHABENEFITS INSURANCE SOLUTIONS3 | PO BOX 1585 FAIR OAKS, CA 95628 | WESTERN HEALTH ADVANTAGE | $19K | $0 | $19K | 0.50% |
| BAYHABENEFITS INSURANCE SOLUTI3 | PO BOX 1585 FAIR OAKS, CA 95628 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 6.49% |
| CRAIG ALLEN HENRY PFAFF3 Filed as: CRAIG ALLEN PFAFF | 9672 ELMIRA CIR SACRAMENTO, CA 95827 | AFLAC | $4K | $53 | $4K | 6.95% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $907 | $0 | $907 | 1.60% |
| LEON NORMAN DAVIDSON3 | 1414 LINCOLN ST EVANSTON, IL 60201 | AFLAC | $437 | $0 | $437 | 0.77% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $371 | $0 | $371 | 0.66% |
| DIANA CABRAL RENTCHLER3 | PO BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $289 | $0 | $289 | 0.51% |
| JACE G KUERSTEN3 | 7937 E JOSHUA TREE LN SCOTTSDALE, AZ 85250 | AFLAC | $221 | $0 | $221 | 0.39% |
| PETER JAMES SARANTIS3 | 6185 ELEMENT LN ROSEVILLE, CA 95747 | AFLAC | $166 | $6 | $172 | 0.30% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 5230 HARTER LN LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $151 | $0 | $151 | 0.27% |
| AIMEE L PFAFF3 | 6601 TRILBY CT CITRUS HEIGHTS, CA 95610 | AFLAC | $134 | $0 | $134 | 0.24% |
| SARAH ANN THAXTON3 | 340 SOARING HAWK LN SACRAMENTO, CA 95833 | AFLAC | $115 | $6 | $121 | 0.21% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST CT PORTLAND, OR 97236 | AFLAC | $83 | $0 | $83 | 0.15% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $53 | $0 | $53 | 0.09% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $52 | $0 | $52 | 0.09% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $28 | $0 | $28 | 0.05% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUIE 180 ROSEVILLE, CA 95661 | AFLAC | $25 | $0 | $25 | 0.04% |
| PETER T ARNOLD3 | 8874 PORTIA DR RENO, NV 89506 | AFLAC | $14 | $0 | $14 | 0.02% |
| VIGILANT GROUP, LLC3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $14 | $0 | $14 | 0.02% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $3 | $0 | $3 | 0.01% |
| BARRY A WHITE3 | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $2 | $0 | $2 | 0.00% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | $0 | $1 | 0.00% |
| BAYHABENEFITS INSURANCE SOLUTI3 | PO BOX 1585 FAIR OAKS, CA 95628 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 16.24% |
| BAYHABENEFITS INSURANCE SOLUTIONS3 | PO BOX 1585 FAIR OAKS, CA 95628 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $5K | $0 | $5K | 11.75% |
| BAYHABENEFITS INSURANCE SOLUTI3 | PO BOX 1585 FAIR OAKS, CA 95628 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 18.39% |
| BAYHABENEFITS INSURANCE SOLUTIONS3 | PO BOX 1585 FAIR OAKS, CA 95628 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $20 | $0 | $20 | 8.55% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTERN HEALTH ADVANTAGE | 242 | $3.9M |
| Dental | PREMIER ACCESS INSURANCE COMPANY ASO | 251 | $14K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 246 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $157K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $157K |
| Prescription drug | WESTERN HEALTH ADVANTAGE | 242 | $3.9M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 232 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.