| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO INSURANCE SERVICES/USI | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $6K | — | $6K | 1.56% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $4K | — | $4K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 11940 WHITE ROCK RD 2ND FLOOR RANCHO CORDOVA, CA 95670 | BLUE SHIELD | $8K | — | $8K | 4.18% |
| EASY INS MARKETING3 Filed as: EASY INS. MARKETING INC | MADERA RD #277 SIMI VALLEY, CA 93065 | BLUE SHIELD | $6K | — | $6K | 3.00% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | BLUE SHIELD | $6K | — | $6K | 2.81% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO INSURANCE SERVICES/USI | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.15% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.85% |
| WARREN G BENDER CO3 | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | RELIANCE STANDARD | $2K | — | $2K | 8.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | RELIANCE STANDARD | $1K | — | $1K | 6.44% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO INSURANCE SERVICES/USI | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | SUPERIOR VISION | $623 | — | $623 | 5.45% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | SUPERIOR VISION | $438 | — | $438 | 3.83% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO INSURANCE SERVICES/USI | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 80.89% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $309 | — | $309 | 19.11% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 184 | $701K |
| Vision | SUPERIOR VISION | 149 | $11K |
| Life insurance | RELIANCE STANDARD | 191 | $20K |
| Long-term disability | RELIANCE STANDARD | 191 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.