| 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 | $21K | — | $21K | 4.93% |
| ROBERT GRUNSKY3 | 411 DEINHARD LANE, STE F163 MCCALL, ID 83638 | WESTERN HEALTH ADVANTAGE | $17K | — | $17K | 4.64% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 4170 DOUGLAS BLVD STE 100 GRANITE BAY, CA 95746 | 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% |
| 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% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $944 | $87 | $1K | 6.86% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $258 | $20 | $278 | 1.85% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 83638 | AFLAC | $135 | — | $135 | 0.90% |
| DEBORAH L SENN3 Filed as: DEBORAH SENN | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $116 | — | $116 | 0.77% |
| MICHAEL MULLIGAN3 | 2117 DEMETRIUS WAY ROSEVILLE, CA 95661 | AFLAC | $98 | — | $98 | 0.65% |
| ANDY B GLENN II3 Filed as: ANDY GLENN II | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $74 | $20 | $94 | 0.63% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $70 | — | $70 | 0.47% |
| JACE KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $51 | — | $51 | 0.34% |
| MARJORIE B. YACOPETTI3 Filed as: MARJORIE B YACOPETTI | PO BOX 2152 LODI, CA 95241 | AFLAC | $26 | — | $26 | 0.17% |
| RONDA MATHEW3 | 2030 13TH STREET APT 3 SACRAMENTO, CA 95818 | AFLAC | $21 | — | $21 | 0.14% |
| ADAM ANTHONY ANDELIN3 | 2180 HARVARD STREET STE 510 SACRAMENTO, CA 95815 | AFLAC | $12 | — | $12 | 0.08% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $10 | — | $10 | 0.07% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DR ROCKLIN, CA 95677 | AFLAC | $6 | — | $6 | 0.04% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | — | $4 | 0.03% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT WEST SACRAMENTO, CA 95605 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 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 | $2K | — | $2K | 15.00% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $620 | $11 | $631 | 5.82% |
| MICHAEL MULLIGAN3 | 2117 DEMETRIUS WAY ROSEVILLE, CA 95661 | AFLAC | $179 | — | $179 | 1.65% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 93638 | AFLAC | $163 | — | $163 | 1.50% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $146 | — | $146 | 1.35% |
| ERIC N RAWLINGS3 Filed as: ERIC RAWLINGS | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $139 | $3 | $142 | 1.31% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $56 | — | $56 | 0.52% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $55 | — | $55 | 0.51% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $17 | $3 | $20 | 0.18% |
| RONDA MATHEW3 | 2030 13TH STREET APT 3 SACRAMENTO, CA 95818 | AFLAC | $20 | — | $20 | 0.18% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $1K | — | $1K | 9.96% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $51 | — | $51 | 0.50% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER CT RANCHO CORDOVA, CA 95670 | AFLAC | $505 | — | $505 | 5.33% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON CT MCCALL, ID 83638 | AFLAC | $165 | — | $165 | 1.74% |
| MICHAEL MULLIGAN3 | 2117 DEMETRIUS WAY ROSEVILLE, CA 95661 | AFLAC | $154 | — | $154 | 1.62% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $132 | — | $132 | 1.39% |
| DEBORAH L SENN3 | 230 BRIGGS RANCH DR FOLSOM, CA 95630 | AFLAC | $123 | — | $123 | 1.30% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $117 | — | $117 | 1.23% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $39 | — | $39 | 0.41% |
| RONDA MATHEW3 | 2030 13TH STREET APT 3 SACRAMENTO, CA 95818 | AFLAC | $32 | — | $32 | 0.34% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $12 | — | $12 | 0.13% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $274 | — | $274 | 6.40% |
| ERIC N RAWLINGS3 | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $80 | — | $80 | 1.87% |
| MICHAEL MULLIGAN3 | 2117 DEMETRIUS WAY ROSEVILLE, CA 95661 | AFLAC | $61 | — | $61 | 1.43% |
| GRUNSKY INSURANCE SERVICES INC3 | 13793 SWEET IRON COURT MCCALL, ID 83638 | AFLAC | $38 | — | $38 | 0.89% |
| DEBORAH L SENN3 | 230 BRIGSS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $36 | — | $36 | 0.84% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $35 | — | $35 | 0.82% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD, STE 180 ROSEVILLE, CA 95661 | AFLAC | $8 | — | $8 | 0.19% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $7 | — | $7 | 0.16% |
| RONDA MATHEW3 | 2030 13 ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $3 | — | $3 | 0.07% |
| 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 | $466 | — | $466 | 15.00% |
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 | 121 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $800K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $67K |
| Vision | VISION SERVICE PLAN | 67 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 29 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $24K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $433K |
| Other(7 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
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.