| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $29K | $0 | $29K | 4.96% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $0 | $12K | 4.57% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | CYPRESS ANCILLARY BENEFITS | $2K | $0 | $2K | 10.25% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE STE C SACRAMENTO, CA 95864 | DIRECT DENTAL ADMINISTRATORS, LLC | $891 | $0 | $891 | 13.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAR MARKETING AND ADMINISTRATION EIN 36-3403079 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $5K |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 141 | $850K |
| Dental(2 contracts, 2 carriers) | CYPRESS ANCILLARY BENEFITS | 199 | $27K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 122 | $19K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 141 | $850K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.