| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $20K | — | $20K | 3.00% |
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN | $13K | — | $13K | 2.02% |
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | CYPRESS ANCILLARY BENEFITS | $10K | — | $10K | 7.87% |
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $731 | — | $731 | 13.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VALLEY ADMINISTRATORS EIN 94-1651216 | Contract Administrator Service code 13 | PO BOX 40 RANCHO CORDOVA, CA 95741 | $42K |
| SCHWARTZ PLATZ & ASSOCIATES EIN 68-0263780 | Accounting (including auditing) Service code 10 | 730 HOWE AVE STE 100 SACRAMENTO, CA 95825 | $12K |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 157 | $1.3M |
| Dental | CYPRESS ANCILLARY BENEFITS | 137 | $126K |
| Vision | VISION SERVICE PLAN | 121 | $19K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $6K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.