| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STEC C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $28K | $0 | $28K | 4.34% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STEC C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $0 | $12K | 5.05% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES, INC | 3435 AMERICAN RIVER DRIVE STEC C SACRAMENTO, CA 95864 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 10.21% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STEC C SACRAMENTO, CA 95864 | TRUSTMARK LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.00% |
| SHEPLER & FEAR GENERAL AGENCY3 | 400 SUNRISE AVE STE 150 ROSEVILLE, CA 95661 | TRUSTMARK LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STEC C SACRAMENTO, CA 95864 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STEC C SACRAMENTO, CA 95864 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 13.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC. | 1550 W COLORADO BLVD PASENDA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 0.26% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 200 | $915K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 204 | $33K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 198 | $19K |
| Prescription drug(3 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 200 | $915K |
| Stop-loss / reinsurancereinsurance | TRUSTMARK LIFE INSURANCE COMPANY | 8 | $30K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 34 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.