| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | — | $16K | 1.98% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE STE. 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | — | $14K | 1.81% |
| WARREN G BENDER CO3 Filed as: WARREN BENDER CO. | 516 GIBSON DRIVE STE. 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $9K | — | $9K | 2.97% |
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | WESTERN HEALTH ADVANTAGE | $6K | — | $6K | 2.03% |
| WARREN G BENDER CO3 Filed as: WARREN BENDER & CO | 516 GIBSON DRIVE STE. 240 ROSEVILLE, CA 95678 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.35% |
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.96% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, STE. 240 ROSEVILLE, CA 95678 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.05% |
| SHEPLER & FEAR GENERAL AGENCY3 Filed as: SHEPLER & FEAR GENERAL AGENCY INC | 2140 PROFESSIONAL DRIVE STE 150 ROSEVILLE, CA 95661 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $962 | $962 | 5.00% |
| CLIFFORD BENEFITS GROUP3 Filed as: CLIFFORD BENEFITS | 7850 HUBBARD ROAD AUBURN, CA 95602 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $456 | — | $456 | 8.84% |
| WARREN G BENDER CO3 | 516 GIBSON DR. STE. 240 ROSEVILLE, CA 95678 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $318 | — | $318 | 6.16% |
| SHEPLER & FEAR GENERAL AGENCY3 | 2140 PROFESSIONAL DRIVE STE 150 ROSEVILLE, CA 95661 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $258 | $258 | 5.00% |
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 | 296 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $122K |
| Life insurance | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 57 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.