| 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. | $243K | $0 | $243K | 3.50% |
| USI INSURANCE SERVICES LLC3 | 2421 WEST PEORIA AVENUE PHOENIX, AZ 85029 | WESTERN HEALTH ADVANTAGE | $55K | $0 | $55K | 2.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | WESTERN HEALTH ADVANTAGE | $8K | $0 | $8K | 0.36% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | SUTTER HEALTH PLAN | $54K | $0 | $54K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.25% |
| JACE G. KUERSTEN AND OTHER AGENTS3 | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $5K | $4 | $5K | 4.11% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | AFLAC | $2K | $0 | $2K | 1.81% |
| LEON NORMAN DAVIDSON3 | 1230 ARROYO GRANDE DRIVE SACRAMENTO, CA 95864 | AFLAC | $2K | $4 | $2K | 1.79% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 380 TORRANCE, CA 90503 | AFLAC | $2K | $0 | $2K | 1.72% |
| HILLARY GEIGER-SCHMEEL3 | 6933 KAPLAN WAY CITRUS HEIGHTS, CA 95621 | AFLAC | $2K | $0 | $2K | 1.63% |
| DIANA CABRAL RENTCHLER3 | PO BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $1K | $17 | $1K | 1.23% |
| LAWLEN INSURANCE SOLUTIONS, LLC3 | 1901 66TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $814 | $0 | $814 | 0.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $11K | $0 | $11K | 9.99% |
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 | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 591 | $10.2M |
| Vision | VISION SERVICE PLAN | 748 | $105K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 781 | $433K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 781 | $433K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 591 | $10.2M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 781 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.