| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | $474 | $31K | 3.99% |
| NED WOLFGANG SCHAUT3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $2K | $2K | 0.29% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE STE. 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $21 | — | $21 | 0.00% |
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | WESTERN HEALTH ADVANTAGE | $15K | — | $15K | 5.00% |
| CLIFFORD BENEFITS GROUP3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 5.18% |
| DOUGLAS E. CLIFFORD3 | 7850 HUBBARD ROAD AUBURN, CA 95602 | VSP | $597 | — | $597 | 8.60% |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 517 | $142K |
| Vision | VSP | 42 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 517 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
No prospect flags tripped on this filing.