| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 3.67% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 20.04% |
| PROFESSINAL GROUP PLANS3 | UNKNOWN HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 11.42% |
| CYPRESS DENTAL ADMINISTRATORS3 | 7510 SHORELINE DRIVE STOCKTON, CA 95219 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 5.00% |
| ACRISURE LLC3 | 2033 GATEWAY PLACE, SUITE 150 SAN JOSE, CA 95110 | AFLAC | $426 | $0 | $426 | 3.72% |
| MJ INSURANCE3 Filed as: KAMALA J. COBURN AND VARIOUS AGENTS | 934 LONGWOOD LANE SAN JOSE, CA 95129 | AFLAC | $223 | $0 | $223 | 1.95% |
| GARY WAYNE OGLE3 | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $88 | $0 | $88 | 0.77% |
| DANNY J LEON3 Filed as: DANNY J. LEON | 162 BARLEY STREET SAINT AUGUSTINE, FL 32092 | AFLAC | $77 | $0 | $77 | 0.67% |
| GEORGE BERMUDES3 | 500 RANCHEROS DRIVE, SPACE 93 SAN MARCOS, CA 92069 | AFLAC | $74 | $0 | $74 | 0.65% |
| WILLIAM K VERBRUGGE3 Filed as: WILLIAM K. VERBRUGGE | 1180 ESSEX LANE FOSTER CITY, CA 94404 | AFLAC | $48 | $0 | $48 | 0.42% |
| JAYSON C ROCHA3 Filed as: JAYSON C. ROCHA | 3577 SAINT JOHN ROAD WEST SACRAMENTO, CA 95691 | AFLAC | $39 | $0 | $39 | 0.34% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | CALIFORNIA DENTAL NETWORK, INC. | $29 | — | $29 | 5.38% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 51 | $388K |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $94K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 86 | $94K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 123 | $29K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $29K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 51 | $388K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 123 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.