| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 957468854 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 4.90% |
| ROBERT GRUNSKY3 | 411 DEINHARD LANE, STE F163 MCCALL, ID 83638 | WESTERN HEALTH ADVANTAGE | $19K | — | $19K | 4.99% |
| 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 | $700 | $8K | 11.01% |
| 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 | $4K | $482 | $4K | 16.90% |
| 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 | $256 | $3K | 16.37% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $1K | $38 | $1K | 9.44% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $316 | $2 | $318 | 2.08% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $166 | $6 | $172 | 1.12% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 83638 | AFLAC | $154 | — | $154 | 1.00% |
| ANDY B GLENN II3 Filed as: ANDY GLENN II | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $128 | $9 | $137 | 0.89% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $104 | — | $104 | 0.68% |
| JACE KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $72 | — | $72 | 0.47% |
| MARJORIE B. YACOPETTI3 Filed as: MARJORIE YACOPETTI | PO BOX 2152 LODI, CA 95241 | AFLAC | $22 | — | $22 | 0.14% |
| ADAM ANTHONY ANDELIN3 Filed as: ADAM ANDELIN | 2180 HARVARD ST STE 510 SACRAMENTO, CA 95815 | AFLAC | $10 | — | $10 | 0.07% |
| ROBERT PILKENTON3 | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $8 | — | $8 | 0.05% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $5 | — | $5 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $3 | — | $3 | 0.02% |
| AMY LUDWICK3 | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL RHODD3 | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.01% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $835 | $40 | $875 | 6.05% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $269 | $9 | $278 | 1.92% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $265 | — | $265 | 1.83% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $112 | — | $112 | 0.77% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $74 | — | $74 | 0.51% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $62 | $9 | $71 | 0.49% |
| ERIC N RAWLINGS3 Filed as: ERIC RAWLINGS | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $28 | — | $28 | 0.19% |
| 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 | $259 | $2K | 17.03% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $1K | — | $1K | 10.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $63 | — | $63 | 0.56% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $707 | $22 | $729 | 6.51% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $249 | — | $249 | 2.22% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 83638 | AFLAC | $195 | — | $195 | 1.74% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $148 | — | $148 | 1.32% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $109 | $5 | $114 | 1.02% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $43 | $5 | $48 | 0.43% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $46 | — | $46 | 0.41% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH SELLARS | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $10 | — | $10 | 0.09% |
| CATHERINE ESTES3 | 1121 W VALLEY BLVD STE I-123 TEHACHAPI, CA 93561 | AFLAC | $8 | — | $8 | 0.07% |
| MONUMENT COMMERCIAL INS SVCS INC3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $6 | — | $6 | 0.05% |
| DANIEL COLE3 | 1632 CHRISTINA COURT PASO ROBLES, CA 93446 | AFLAC | $4 | — | $4 | 0.04% |
| MARKHAM INSURANCE SERVICES, INC.3 Filed as: MARKHAM INSURANCE SERVICES INC | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $4 | — | $4 | 0.04% |
| ROBERT WOLF3 | PO BOX 5210 LANCASTER, CA 93539 | AFLAC | $2 | — | $2 | 0.02% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $175 | — | $175 | 5.08% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $63 | — | $63 | 1.83% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON COURT MCCALL, ID 83638 | AFLAC | $44 | — | $44 | 1.28% |
| DEBORAH L SENN3 | 230 BRIGSS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $36 | — | $36 | 1.05% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $23 | — | $23 | 0.67% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD, STE 180 ROSEVILLE, CA 95661 | AFLAC | $15 | — | $15 | 0.44% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $9 | — | $9 | 0.26% |
| 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 | $481 | $67 | $548 | 17.10% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $55 | $36 | $91 | 19.96% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $20 | $8 | $28 | 6.14% |
| ANDY B GLENN II3 Filed as: ANDY GLENN II | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $8 | $8 | $16 | 3.51% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 70 | $781K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $70K |
| Vision | VISION SERVICE PLAN | 70 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $25K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 70 | $402K |
| Other(8 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $86K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.