| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAYMOND M SUESS3 | 144 N WASHINGTON ST SONORA, CA 95370 | BLUE CROSS OF CALIFORNIA | $44 | $107K | $107K | 4.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE STE 300 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $47K | $0 | $47K | 2.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | $4 | $10K | $10K | 0.47% |
| RAYMOND M SUESS3 Filed as: RAYMOND M. SUESS, JR., INC | 144 N WASHINGTON ST SONORA, CA 95370 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $3K | $26K | 9.66% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | SERVICES DBA BENEFITMALL 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 6.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 12150 TRIBUTARY POINT DR STE 2 GOLD RIVER, CA 95670 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.03% |
| RAYMOND M SUESS3 Filed as: RAYMOND M. SUESS, JR., INC | 144 N WASHINGTON ST SONORA, CA 95370 | KAISER FOUNDATION HEALTH PLAN | $4K | $0 | $4K | 3.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN | $928 | $0 | $928 | 0.80% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 305 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 578 | $269K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 578 | $269K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 578 | $269K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 305 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.