| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 4120 DOUGLAS BLVD STE 306-331 GRANITE BAY, CA 95743 | WESTERN HEALTH ADVANTAGE | $22K | — | $22K | 3.21% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 4.59% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 13.40% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $12K | — | $12K | 21.60% |
| GRUNSKY INSURANCE SERVICES INC3 | 4120 DOUGLAS BLVD STE 306-331 GRANITE BAY, CA 95746 | AFLAC | $6K | — | $6K | 10.29% |
| LAURALYNE BOONE3 | 2091 HENDERSON WAY LODI, CA 95242 | AFLAC | $5K | — | $5K | 9.36% |
| DEBORAH L SENN3 | 230 BRIGSS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $3K | — | $3K | 5.01% |
| JACE G KUERSTEN3 | 2281 LAVA RIDGE COURT STE 130 ROSEVILLE, CA 95661 | AFLAC | $308 | — | $308 | 0.54% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $45 | — | $45 | 0.08% |
| CYNTHIA K BROACH3 | 8577 GERMAN DR SACRAMENTO, CA 95828 | AFLAC | $29 | — | $29 | 0.05% |
| RAMONA HERRIFORD3 Filed as: RAMONA M HERRIFORD | PO BOX 278867 SACRAMENTO, CA 95827 | AFLAC | $24 | — | $24 | 0.04% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $13 | — | $13 | 0.02% |
| LEON NORMAN DAVIDSON3 | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | AFLAC | $10 | — | $10 | 0.02% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | — | $4 | 0.01% |
| JOSEPH F RYAN3 | 3137 MODOC CT CAMERON PARK, CA 95682 | AFLAC | $4 | — | $4 | 0.01% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD., STE 400 GRANITE BAY, CA 95746 | WESTERN HEALTH ADVANTAGE AND NATIONAL HEALTH INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $1K | — | $1K | 9.98% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 104 | $959K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $114K |
| Vision | VISION SERVICE PLAN | 71 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $114K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $114K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 38 | $271K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.