| 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 | 4.37% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 5.80% |
| 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 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $1K | — | $1K | 6.22% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $358 | — | $358 | 2.09% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 83638 | AFLAC | $246 | — | $246 | 1.44% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $152 | — | $152 | 0.89% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $104 | — | $104 | 0.61% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $55 | — | $55 | 0.32% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $2 | — | $2 | 0.01% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $1K | $64 | $1K | 6.78% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $402 | — | $402 | 2.38% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $357 | $13 | $370 | 2.19% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $176 | — | $176 | 1.04% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $85 | $13 | $98 | 0.58% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $84 | — | $84 | 0.50% |
| 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 | $2K | — | $2K | 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 | $2K | — | $2K | 15.00% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $646 | — | $646 | 5.19% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $285 | — | $285 | 2.29% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 83638 | AFLAC | $230 | — | $230 | 1.85% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $198 | — | $198 | 1.59% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $47 | — | $47 | 0.38% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $21 | — | $21 | 0.17% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $18 | — | $18 | 0.14% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $10 | — | $10 | 0.08% |
| CATHERINE ESTES3 Filed as: CATHERINE S ESTES | 1121 W VALLEY BLVD STE I-123 TEHACHAPI, CA 93561 | AFLAC | $10 | — | $10 | 0.08% |
| MONUMENT COMMERCIAL INS SVCS INC3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $7 | — | $7 | 0.06% |
| COLE & COLE INS SVCS LLC3 | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $5 | — | $5 | 0.04% |
| MARKHAM INSURANCE SERVICES, INC.3 Filed as: MARKHAM INSURANCE SERVICES INC | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $5 | — | $5 | 0.04% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $55 | — | $55 | 0.51% |
| 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 | $500 | — | $500 | 15.00% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $125 | — | $125 | 4.46% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $63 | — | $63 | 2.25% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON COURT MCCALL, ID 83638 | AFLAC | $58 | — | $58 | 2.07% |
| DEBORAH L SENN3 | 230 BRIGSS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $35 | — | $35 | 1.25% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $16 | — | $16 | 0.57% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $2 | — | $2 | 0.07% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD, STE 180 ROSEVILLE, CA 95661 | AFLAC | $1 | — | $1 | 0.04% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $202 | — | $202 | 13.43% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $67 | — | $67 | 4.45% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $25 | — | $25 | 1.66% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $11 | — | $11 | 0.73% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $6 | — | $6 | 0.40% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $3 | — | $3 | 0.20% |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 79 | $833K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $70K |
| Vision | VISION SERVICE PLAN | 70 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $24K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 72 | $321K |
| Other(8 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.