| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | WESTERN HEALTH ADVANTAGE | $30K | — | $30K | 5.00% |
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | — | $28K | 4.59% |
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | DELTA DENTAL OF CALIFORNIA | $13K | — | $13K | 10.00% |
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | HARTFORD LIFE AND ACCIDENT | $925 | — | $925 | 5.00% |
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | DELTA DENTAL OF CALIFORNIA | $957 | — | $957 | 9.99% |
| GARY ERICKSON3 | 901 SUNRISE AVENUE, SUITE A15 ROSEVILLE, CA 95661 | VISION SERVICE PLAN | $152 | — | $152 | 10.02% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 144 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 151 | $141K |
| Vision(2 contracts) | VISION SERVICE PLAN | 128 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 234 | $18K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 144 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 234 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.