| 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. | $116K | $0 | $116K | 3.07% |
| USI INSURANCE SERVICES LLC3 | 201 MISSION STREET SAN FRANCISCO, CA 94105 | WESTERN HEALTH ADVANTAGE | $53K | $0 | $53K | 3.39% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $48K | $0 | $48K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.07% |
| LISA M HUTCHERSON3 Filed as: LISA M. HUTCHERSON AND OTHER AGENTS | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $5K | $5K | $10K | 8.16% |
| HILLARY GEIGER-SCHMEEL3 | 6933 KAPLAN WAY CITRUS HEIGHTS, CA 95621 | AFLAC | $4K | $611 | $4K | 3.37% |
| LEON NORMAN DAVIDSON3 | 1230 ARROYO GRANDE DRIVE SACRAMENTO, CA 95864 | AFLAC | $3K | $169 | $3K | 2.54% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | AFLAC | $3K | $0 | $3K | 2.26% |
| JACE G KUERSTEN3 Filed as: JACE G. KUERSTEN | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $803 | $163 | $966 | 0.79% |
| LAWLEN INSURANCE SOLUTIONS, LLC3 | 1901 66TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $854 | $0 | $854 | 0.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | AFLAC | $823 | $0 | $823 | 0.67% |
| USI INSURANCE SERVICES LLC3 | 1039-A NORTH MCDOWELL BOULEVARD PETALUMA, CA 94954 | GERBER | $4K | $0 | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 1039-A NORTH MCDOWELL BOULEVARD PETALUMA, CA 94954 | CONCERN EAP | $2K | $0 | $2K | 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 | 782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 655 | $6.3M |
| Vision | GERBER | 765 | $81K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 708 | $445K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 708 | $322K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 655 | $6.3M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 783 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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.