| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $20K | $20K | 5.30% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CO 95678 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 5.53% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | CYPRESS DENTAL ADMINISTRATORS | $4K | $0 | $4K | 9.49% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5250 NORTH PALM, SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $674 | $0 | $674 | 3.65% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DRIVE ROCKLIN, CA 95677 | AFLAC | $768 | $48 | $816 | 7.98% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 2509 BRIARTON DRIVE LINCOLN, CA 95648 | AFLAC | $294 | $0 | $294 | 2.87% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II AND VARIOUS | 2281 LAVA RIDGE COURT, SUITE 130 ROSEVILLE, CA 95661 | AFLAC | $280 | $0 | $280 | 2.74% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $100 | $10 | $110 | 1.08% |
| JACE G KUERSTEN3 Filed as: JACE G. KUERSTEN | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $90 | $10 | $100 | 0.98% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 | 1079 SUNRISE AVENUE, SUITE 305B ROSEVILLE, CA 95661 | AFLAC | $86 | $0 | $86 | 0.84% |
| BARRY A WHITE3 Filed as: BARRY A. WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $61 | $0 | $61 | 0.60% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $484 | $0 | $484 | 10.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 68 | $514K |
| Dental | CYPRESS DENTAL ADMINISTRATORS | 72 | $46K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 52 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $18K |
| Short-term disability | AFLAC | 15 | $10K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $18K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 68 | $514K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.