| 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 | $23K | — | $23K | 3.96% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 4.34% |
| 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 | $7K | — | $7K | 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% |
| 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 | 10.07% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $0 | $13 | $13 | 0.12% |
| 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 | 14.99% |
| 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 | $454 | — | $454 | 14.99% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $134 | $70 | $204 | 12.33% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $67 | — | $67 | 4.05% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $34 | $14 | $48 | 2.90% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $23 | $14 | $37 | 2.24% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $19 | — | $19 | 1.15% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $46 | $20 | $66 | 5.87% |
| LAURALYNE BOONE3 | 2091 HENDERSON WAY LODI, CA 95242 | AFLAC | $26 | — | $26 | 2.31% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON COURT MCCALL, ID 83638 | AFLAC | $24 | — | $24 | 2.14% |
| DEBORAH L SENN3 | 230 BRIGSS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $14 | $4 | $18 | 1.60% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $7 | $4 | $11 | 0.98% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $23 | — | $23 | 4.15% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $10 | — | $10 | 1.81% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $8 | — | $8 | 1.44% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $4 | — | $4 | 0.72% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $3 | — | $3 | 0.54% |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WESTERN HEALTH ADVANTAGE | 99 | $1.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $73K |
| Vision | VISION SERVICE PLAN | 67 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 112 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 12 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $22K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 61 | $425K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
No prospect flags tripped on this filing.