| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEMLER'S INSURANCE AGENCY INC3 | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | $42K | $3K | $45K | 5.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.00% |
| STEMLER'S INSURANCE AGENCY INC3 | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.87% |
| STEMLER'S INSURANCE AGENCY INC3 | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $857 | $0 | $857 | 8.56% |
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER'S INSURANCE AGENCY, INC. | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 34.06% |
| STEMLER'S INSURANCE AGENCY INC3 | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $445 | $0 | $445 | 15.01% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | 138 | $838K |
| Dental | UNION SECURITY INSURANCE COMPANY | 143 | $6K |
| Vision | VISION SERVICE PLAN | 118 | $28K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 156 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8 | $3K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA CALIFORNIA PHYSICIANS' SERVICE | 138 | $838K |
| Other(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 156 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.