| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK RD SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $18K | — | $18K | 4.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET SUITE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 4.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1 CALIFORNIA ST STE 400 SAN FRANCISCO, CA 941115402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 10.91% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W BUILDING 16 SUITE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 5668 CONCORD, CA 94524 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 13.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | RELIANCE LIFE INSURANCE COMPANY | — | $133 | $133 | 0.60% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $695 | $46 | $741 | 6.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $224 | — | $224 | 1.86% |
| RONDA MATHEW3 | 2030 13TH ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $61 | $11 | $72 | 0.60% |
| WARREN G BENDER CO3 | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $66 | — | $66 | 0.55% |
| BARRY A WHITE3 | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $65 | — | $65 | 0.54% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $51 | $11 | $62 | 0.51% |
| LINDA BAILEY3 Filed as: LINDA G BAILEY | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $52 | — | $52 | 0.43% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS INC | 1390 BROADWAY STE B-125 PLACERVILLE, CA 95667 | AFLAC | $39 | — | $39 | 0.32% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $39 | — | $39 | 0.32% |
| JAMES S SARANTIS3 | 14132 SE FIRCREST CT PORTLAND, OR 97236 | AFLAC | $36 | — | $36 | 0.30% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $19 | — | $19 | 0.16% |
| JAMES SCHLERNITZAUER3 Filed as: JAMES R STREATCH | 904 HAVERHILL DR MODESTO, CA 95356 | AFLAC | $17 | — | $17 | 0.14% |
| ROBERT E PONCINI3 | 390 ROMANO WAY OAKDALE, CA 95361 | AFLAC | $17 | — | $17 | 0.14% |
| HENRY DUNN INC3 Filed as: HENRY J IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $16 | — | $16 | 0.13% |
| LARS J RONTEN3 | 3178 SOFIA DR LINCOLN, CA 95648 | AFLAC | $14 | — | $14 | 0.12% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $14 | — | $14 | 0.12% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DR ROCKLIN, CA 95677 | AFLAC | $14 | — | $14 | 0.12% |
| ELAINE L MARLETT3 | 3618 E EISENHOWER DR MERIDIAN, ID 83642 | AFLAC | $13 | — | $13 | 0.11% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $13 | — | $13 | 0.11% |
| SYLVIA AMPER3 | PO BOX 577045 MODESTO, CA 95357 | AFLAC | $9 | — | $9 | 0.07% |
| ROBERT BENEFIEL3 | 2847 E PALMDALE LN GILBERT, AZ 85298 | AFLAC | $9 | — | $9 | 0.07% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $7 | — | $7 | 0.06% |
| 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 | $252 | — | $252 | 9.39% |
| WARREN G BENDER CO4 | 516 GIBSON DR STE 240 ROSEVILLE, CA 95678 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $55 | — | $55 | 2.05% |
| CHERYL A. COBBIN4 | 2931 TILDEN DRIVE ROSEVILLE, CA 95661 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $43 | — | $43 | 1.60% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 58 | $502K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $63K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $63K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $63K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 126 | $22K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 16 | $139K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.