| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC. | $118K | $17 | $118K | 3.25% |
| USI INSURANCE SERVICES LLC3 | 201 MISSION STREET SAN FRANCISCO, CA 94105 | WESTERN HEALTH ADVANTAGE | $48K | $0 | $48K | 3.40% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $32K | $0 | $32K | 5.05% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $0 | $26K | 10.03% |
| HILLARY GEIGER-SCHMEEL3 | 6933 KAPLAN WAY CITRUS HEIGHTS, CA 95621 | AFLAC | $6K | $995 | $7K | 6.08% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | AFLAC | $6K | $0 | $6K | 4.86% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN AND OTHER AGENTS | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $3K | $3K | $5K | 4.60% |
| LEON NORMAN DAVIDSON3 | 1100 CORPORATE WAY, SUITE 100 SACRAMENTO, CA 95831 | AFLAC | $4K | $362 | $4K | 3.36% |
| DIANA CABRAL RENTCHLER3 | PO BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $904 | $232 | $1K | 0.96% |
| KERRI L SANFORD3 Filed as: KERRI L. SANFORD | 1901 66TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $1K | $0 | $1K | 0.89% |
| LISA M HUTCHERSON3 Filed as: LISA M. HUTCHERSON | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $815 | $0 | $815 | 0.69% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | GERBER LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.47% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | CONCERN EAP | $984 | $0 | $984 | 5.00% |
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 | 697 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 705 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 645 | $5.7M |
| Vision | GERBER LIFE INSURANCE COMPANY | 691 | $71K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 680 | $380K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 680 | $261K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 645 | $5.7M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 704 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.