| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 2.00% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 5.34% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 7.16% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $292 | $4K | 4.11% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | TRANSAMERICA LIFE INSURANCE COMPANY | $356 | $0 | $356 | 17.74% |
| ONESOURCE ADVISORS, LLC3 | 2795 EAST BIDWELL STREET SUITE 100-332 FOLSOM, CA 95630 | TRANSAMERICA LIFE INSURANCE COMPANY | $211 | $0 | $211 | 10.51% |
| BARBARA A BULLION3 Filed as: BARBARA A. BULLION | 3486 EAST BOOT TRACK TRAIL GILBERT, AZ 85296 | TRANSAMERICA LIFE INSURANCE COMPANY | $29 | $0 | $29 | 1.44% |
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 | 0 | 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) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $763K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $97K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $97K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $97K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $763K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.