| 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 | $22K | — | $22K | 3.73% |
| 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 | $18K | — | $18K | — |
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | VISION SERVICE PLAN | $856 | — | $856 | — |
| 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 | $689 | — | $689 | — |
| AMES-GRENZ INSURANCE SERVICES, INC. Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | CYPRESS ANCILLARY BENEFITS | $5K | — | $5K | — |
| 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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 160 | $594K |
| Dental | CYPRESS ANCILLARY BENEFITS | 117 | $0 |
| Vision | VISION SERVICE PLAN | 105 | $0 |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $0 |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.