| 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 | $29K | — | $29K | 4.41% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 5.28% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| 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% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $3K | $566 | $4K | 17.66% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $1K | — | $1K | 6.70% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $567 | $88 | $655 | 3.07% |
| JACE G KUERSTEN3 | 2281 LAVA RIDGE COURT STE 130 ROSEVILLE, CA 95661 | AFLAC | $415 | $13 | $428 | 2.00% |
| LAURALYNE BOONE3 | 2091 HENDERSON WAY LODI, CA 95242 | AFLAC | $237 | $75 | $312 | 1.46% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $210 | $37 | $247 | 1.16% |
| LAURALYNE BOONE3 | 8641 MACKEY ROAD ELK GROVE, CA 95624 | AFLAC | $93 | — | $93 | 0.44% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $3K | $609 | $4K | 16.75% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $1K | — | $1K | 6.76% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $600 | $104 | $704 | 3.30% |
| LAURALYNE BOONE3 | 2091 HENDERSON WAY LODI, CA 95242 | AFLAC | $240 | $83 | $323 | 1.51% |
| JACE G KUERSTEN3 | 2281 LAVA RIDGE COURT STE 130 ROSEVILLE, CA 95661 | AFLAC | $217 | — | $217 | 1.02% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $174 | $14 | $188 | 0.88% |
| LAURALYNE BOONE3 | 8641 MACKEY RD ELK GROVE, CA 95624 | AFLAC | $89 | — | $89 | 0.42% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $24 | — | $24 | 0.11% |
| RAMONA HERRIFORD3 Filed as: RAMONA M HERRIFORD | PO BOX 278867 SACRAMENTO, CA 95827 | AFLAC | $13 | — | $13 | 0.06% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $7 | — | $7 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $2 | — | $2 | 0.01% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $3K | $546 | $3K | 14.67% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON COURT MCCALL, ID 83638 | AFLAC | $1K | — | $1K | 6.40% |
| DEBORAH L SENN3 | 230 BRIGSS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $610 | $121 | $731 | 3.45% |
| LAURALYNE BOONE3 | 2091 HENDERSON WAY LODI, CA 95242 | AFLAC | $446 | $215 | $661 | 3.12% |
| JACE G KUERSTEN3 | 2281 LAVA RIDGE COURT STE 130 ROSEVILLE, CA 95661 | AFLAC | $395 | $36 | $431 | 2.04% |
| LAURALYNE BOONE3 | 8641 MACKEY RD ELK GROVE, CA 95624 | AFLAC | $152 | — | $152 | 0.72% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $14 | $5 | $19 | 0.09% |
| MONUMENT COMMERCIAL INS SVCS INC3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $9 | $4 | $13 | 0.06% |
| CATHERINE ESTES3 Filed as: CATHERINE S ESTES | 785 TUCKER ROAD STE G233 TEHACHAPI, CA 93581 | AFLAC | $10 | $3 | $13 | 0.06% |
| MARKHAM INSURANCE SERVICES, INC.3 Filed as: MARKHAM INSURANCE SERVICES INC | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $6 | $4 | $10 | 0.05% |
| COLE & COLE INS SVCS LLC3 | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $6 | $3 | $9 | 0.04% |
| ROBERT WOLF3 Filed as: ROBERT STEVEN WOLF | PO BOX 5210 LANCASTER, CA 93539 | AFLAC | $3 | — | $3 | 0.01% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $1K | — | $1K | 10.02% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $544 | — | $544 | 14.99% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 109 | $1.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $79K |
| Vision | VISION SERVICE PLAN | 75 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $20K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 68 | $363K |
| Other(6 contracts, 2 carriers) | AFLAC | 135 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.