| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER STREET, 7TH FLOOR OAKLAND, CA 94607 | GUARDIAN | $7K | — | $7K | 2.10% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | GUARDIAN | $11K | — | $11K | 6.27% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | MES VISION/GERBER LIFE INSURANCE | $2K | — | $2K | 4.84% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | GUARDIAN | $2K | — | $2K | 13.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, INC. | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | GUARDIAN | $36 | — | $36 | 0.26% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | CIGNA | $935 | — | $935 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANAGED BENEFIT ADMINISTRATORS, LLC EIN 91-1817404 NONE | Accounting (including auditing); Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | P.O. BOX 873 SACRAMENTO, CA 95812 | $52K |
| ACEC CALIFORNIA EIN 94-1331745 SPONSOR | Employee (plan sponsor); Participant communication; Accounting (including auditing) Service code 10 | 1303 J STREET SUITE 450 SACRAMENTO, CA 95814 | $30K |
| JOHN WADDELL & CO CPAS EIN 94-2329070 NONE | Accounting (including auditing) Service code 10 | 3416 AMERICAN RIVER DRIVE SUITE A SACRAMENTO, CA 95864 | $13K |
| AON CUNSULTING, INC. EIN 22-2232264 NONE | Consulting (general) Service code 16 | P.O. BOX 95135 CHICAGO, CA 606945135 | $9K |
| THINK HR EIN 03-0404198 NONE | Consulting fees Service code 70 | 4457 WILLOW ROAD SUITE 120 PLEASANTON, CA 94588 | $7K |
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 | 563 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 326 | $332K |
| Vision | MES VISION/GERBER LIFE INSURANCE | 293 | $38K |
| Life insurance(2 contracts, 2 carriers) | MES VISION/GERBER LIFE INSURANCE | 293 | $52K |
| Long-term disability | GUARDIAN | 390 | $182K |
| Other | CIGNA | 73 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.