| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 Filed as: WARREN B BENDER CO | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | BLUE SHIELD | $17K | $0 | $17K | 3.25% |
| EASY INS MARKETING3 | 1230-5 MADERA RD #277 SEMI VALLEY, CA 93065 | BLUE SHIELD | $6 | $0 | $6 | 0.00% |
| NONE3 | — | BLUE SHIELD | $0 | — | $0 | 0.00% |
| WARREN G BENDER CO0 Filed as: WARREN B BENDER CO | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 4.54% |
| NONE3 | — | KAISER FOUNDATION HEALTH PLAN INC | $0 | — | $0 | 0.00% |
| WARREN G BENDER CO0 Filed as: WARREN B BENDER CO | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | CYPRESS ANCILLARY BENEFITS | $3K | $0 | $3K | 5.25% |
| WARREN G BENDER CO0 Filed as: WARREN B BENDER CO | 516 GIBSON DRIVE, STE 240 ROSEVILLE, CA 95678 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $889 | $0 | $889 | 10.00% |
| NONE3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WARREN G BENDER CO3 | 516 GIBSON DR. SUITE 240 ROSEVILLE, CA 95678 | RELIANCE STANDARD | $212 | $0 | $212 | 10.98% |
| EMERSON REID LLC3 | 5200 N PALM AVE 114M FRESNO, CA 95678 | RELIANCE STANDARD | $0 | $0 | $0 | 0.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD | 63 | $705K |
| Dental | CYPRESS ANCILLARY BENEFITS | 85 | $65K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 62 | $9K |
| Life insurance | RELIANCE STANDARD | 154 | $2K |
| Long-term disability | RELIANCE STANDARD | 154 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
No prospect flags tripped on this filing.