| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN ST 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | — | $26K | $26K | 5.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 5.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $704 | $7K | 12.55% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W BUILDING 16 SUITE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.12% |
| WARREN G BENDER CO3 | DBA BENDER INSURANCE SOLUTIONS 516 GIBSON DR STE 240 ROSEVILLE, CA 956785792 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | RELIANCE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $1K | $32 | $1K | 8.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $499 | — | $499 | 4.04% |
| RONDA MATHEW3 | 2030 13TH ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $148 | $8 | $156 | 1.26% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUIE 180 ROSEVILLE, CA 95661 | AFLAC | $81 | $8 | $89 | 0.72% |
| WARREN G BENDER CO3 | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $86 | — | $86 | 0.70% |
| BARRY A WHITE3 | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $60 | — | $60 | 0.49% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTION INC | 1390 BROADWAY STE B-125 PLACERVILLE, CA 95667 | AFLAC | $55 | — | $55 | 0.45% |
| LINDA BAILEY3 Filed as: LINDA G BAILEY | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $48 | — | $48 | 0.39% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST CT PORTLAND, OR 97236 | AFLAC | $48 | — | $48 | 0.39% |
| THE HORTON GROUP3 Filed as: JACK G KUERSTEN | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $45 | — | $45 | 0.36% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICE INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $18 | — | $18 | 0.15% |
| JAMES SCHLERNITZAUER3 Filed as: JAMES R STREATCH | 904 HAVERHILL DR MODESTO, CA 95356 | AFLAC | $16 | — | $16 | 0.13% |
| ROBERT E PONCINI3 | 390 ROMANO WAY OAKDALE, CA 95356 | AFLAC | $15 | — | $15 | 0.12% |
| HENRY DUNN INC3 Filed as: HENRY J IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $15 | — | $15 | 0.12% |
| LARS J RONTEN3 | 3178 SOFIA DR LINCOLN, CA 95648 | AFLAC | $13 | — | $13 | 0.11% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95831 | AFLAC | $13 | — | $13 | 0.11% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $13 | — | $13 | 0.11% |
| ELAINE L MARLETT3 | 3618 E EISENHOWER DR MERIDIAN, ID 83642 | AFLAC | $12 | — | $12 | 0.10% |
| ROBERT BENEFIEL3 | 2847 E PALMDALE LN GILBERT, AZ 85298 | AFLAC | $12 | — | $12 | 0.10% |
| SYLVIA AMPER3 | PO BOX 577045 MODESTO, CA 95357 | AFLAC | $9 | — | $9 | 0.07% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $6 | — | $6 | 0.05% |
| ROBERT BENEFIEL3 | 1655 S COLE DR GILBERT, AZ 85295 | AFLAC | $2 | — | $2 | 0.02% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $2 | — | $2 | 0.02% |
| LISA M HUTCHERSON3 | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $1 | — | $1 | 0.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER4 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $222 | — | $222 | 10.05% |
| WARREN G BENDER CO4 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | — | $65 | 2.94% |
| CHERYL A. COBBIN3 | 2931 TILDEN DRIVE ROSEVILLE, CA 95661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 1.86% |
| MASOLI LEGACY LLC4 | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.95% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 78 | $626K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $55K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $55K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $71K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 132 | $16K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 78 | $626K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.