| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK RD SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $18K | — | $18K | 4.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 4.27% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $51 | $10K | 13.16% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W BUILDING 16 SUITE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $721 | $4K | 5.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $907 | $907 | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.67% |
| ARACELIA PEDRO3 Filed as: ARACELIA ANN PEDRO | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $523 | $13 | $536 | 5.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $355 | — | $355 | 3.97% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $64 | $3 | $67 | 0.75% |
| BARRY A WHITE3 | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $54 | — | $54 | 0.60% |
| RONDA MATHEW3 | 2030 13TH ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $45 | $3 | $48 | 0.54% |
| LINDA BAILEY3 Filed as: LINDA G BAILEY | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $44 | — | $44 | 0.49% |
| WARREN G BENDER CO3 | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $33 | — | $33 | 0.37% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $25 | — | $25 | 0.28% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $21 | — | $21 | 0.23% |
| JAMES S SARANTIS3 | 14132 SE FIRECREST CT PORTLAND, OR 97236 | AFLAC | $16 | — | $16 | 0.18% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICE INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $16 | — | $16 | 0.18% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS INC | 1390 BROADWAY STE B-125 PLACERVILLE, CA 95667 | AFLAC | $14 | — | $14 | 0.16% |
| JAMES SCHLERNITZAUER3 Filed as: JAMES R STREATCH | 904 HAVERHILL DR MODESTO, CA 95356 | AFLAC | $14 | — | $14 | 0.16% |
| ROBERT E PONCINI3 | 390 ROMANO WAY OAKDALE, CA 95361 | AFLAC | $14 | — | $14 | 0.16% |
| HENRY DUNN INC3 Filed as: HENRY J IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $13 | — | $13 | 0.15% |
| LARS J RONTEN3 | 3178 SOFIA DR LINCOLN, CA 95648 | AFLAC | $12 | — | $12 | 0.13% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $12 | — | $12 | 0.13% |
| ELAINE L MARLETT3 | 3618 E EISENHOWER DR MERIDIAN, ID 83642 | AFLAC | $11 | — | $11 | 0.12% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DR ROCKLIN, CA 95677 | AFLAC | $8 | — | $8 | 0.09% |
| SYLVIA AMPER3 | PO BOX 577045 MODESTO, CA 95357 | AFLAC | $8 | — | $8 | 0.09% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $6 | — | $6 | 0.07% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $2 | — | $2 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $189 | — | $189 | 9.78% |
| WARREN G BENDER CO4 | 516 GIBSON DR STE 240 ROSEVILLE, CA 95678 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | — | $32 | 1.66% |
| CHERYL A. COBBIN4 | 2931 TILDEN DRIVE ROSEVILLE, CA 95661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 1.35% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 53 | $569K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $72K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $72K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 112 | $20K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 20 | $179K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.