| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 | 516 GIBSON DRIVE 240 ROSEVILLE, CA 95678 | CALIFORNIA PHYSICIANS' SERVICE | — | $22K | $22K | 4.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | — | $11K | $11K | 2.29% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | 516 GIBSON DRIVE SUITE 240 ROSEVILLE, CA 956785792 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.69% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | 516 GIBSON DRIVE SUITE 240 ROSEVILLE, CA 956785792 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $171 | $4K | 6.39% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W BUILDING 16 SUITE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $268 | $3K | 5.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 956706171 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $255 | $255 | 0.45% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE SUITE 240 ROSEVILLE, CA 95678 | RELIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | RELIANCE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.80% |
| EMERSON REID LLC3 | 5250 N. PALM SUITE 424 FRESNO, CA 93704 | RELIANCE LIFE INSURANCE COMPANY | $561 | — | $561 | 3.07% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DRIVE ROCKLIN, CA 95677 | AFLAC | $909 | $51 | $960 | 8.95% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | P.O. BOX 1932 LINCOLN, CA 95648 | AFLAC | $172 | — | $172 | 1.60% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $78 | $12 | $90 | 0.84% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS INC. | 1390 BRODWAY SUITE B-125 PLACERVILLE, CA 95667 | AFLAC | $85 | — | $85 | 0.79% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $59 | $12 | $71 | 0.66% |
| BARRY A WHITE3 Filed as: BARRY A. WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $60 | — | $60 | 0.56% |
| JAKE G. KUERSTEN3 | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $55 | — | $55 | 0.51% |
| LINDA BAILEY3 Filed as: LINDA G. BAILEY | 6505 DEADERICK COURT ORANGEVALE, CA 95818 | AFLAC | $48 | — | $48 | 0.45% |
| RONDA MATHEW3 | 2030 13TH STREET APT 3 SACREMENTO, CA 95818 | AFLAC | $39 | — | $39 | 0.36% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $18 | — | $18 | 0.17% |
| JAMES SCHLERNITZAUER3 Filed as: JAMES R. STREATCH | 904 HAVERHILL DRIVE MODESTO, CA 95356 | AFLAC | $15 | — | $15 | 0.14% |
| ROBERT E PONCINI3 Filed as: ROBERT E. PONCINI | 390 ROMANO WAY OAKDALE, CA 95361 | AFLAC | $15 | — | $15 | 0.14% |
| HENRY DUNN INC3 Filed as: HENRY J. IRELAND | 5225 PETECOST DRIVE SUITE 24 MODESTO, CA 95356 | AFLAC | $15 | — | $15 | 0.14% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DRIVE SACRAMENTO, CA 95831 | AFLAC | $13 | — | $13 | 0.12% |
| LARS J RONTEN3 Filed as: LARS J. RONTEN | 3178 SOFIA DRIVE LINCOLN, CA 95648 | AFLAC | $13 | — | $13 | 0.12% |
| MELODY B THOMPSON3 Filed as: MELODY P. IRELAND | 5225 PENTECOST DRIVE SUITE 24 MODESTO, CA 95356 | AFLAC | $13 | — | $13 | 0.12% |
| ELAINE L MARLETT3 Filed as: ELAINE L. MARLETT | 1716 HEARTNUT WAY HUGHSON, CA 95357 | AFLAC | $12 | — | $12 | 0.11% |
| ROBERT BENEFIEL3 | 1655 S. COLE DRIVE GILBERT, AZ 85257 | AFLAC | $9 | — | $9 | 0.08% |
| SYLVIA AMPER3 | P.O. BOX 577045 MODESTO, CA 95357 | AFLAC | $9 | — | $9 | 0.08% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS E. VIGIL | 7808 E. CYPRESS STREET SCOTTSDALE, AZ 85257 | AFLAC | $6 | — | $6 | 0.06% |
| SIERRA N KIRSHY3 Filed as: SIERRA N. KIRSHY | 348 DIAMOND OAKS ROAD ROSEVILLE, CA 95678 | AFLAC | $2 | — | $2 | 0.02% |
| ROBERT BENEFIEL3 | 2847 E. PALMDALE LANE GILBERT, AZ 85298 | AFLAC | $1 | — | $1 | 0.01% |
| LISA M HUTCHERSON3 Filed as: LISA M. HUTCHERON | 5690 LILYVIEW WAY ELK GOVE, CA 95757 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $1 | — | $1 | 0.01% |
| WARREN G BENDER CO4 Filed as: WARREN G. BENDER CO | 516 GIBSON DRIVE SUITE 240 ROSEVILLE, CA 95678 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $150 | — | $150 | 11.66% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $130 | — | $130 | 10.10% |
| CHERYL A. COBBIN3 | 2931 TILDEN DRIVE ROSEVILLE, CA 95661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $52 | — | $52 | 4.04% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 86 | $622K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $57K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $57K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $75K |
| Short-term disability | AFLAC | 15 | $11K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 117 | $18K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 86 | $622K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 208 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.