| 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 | $9K | $0 | $9K | 2.15% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | GUARDIAN | $12K | $0 | $12K | 5.35% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | MES VISION/GERBER LIFE INSURANCE | $2K | $0 | $2K | 4.99% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY, RENTON & ASSOCIATES | 530 WATER ST., 7TH FLOOR OAKLAND, CA 94607 | GUARDIAN | $3K | $0 | $3K | 13.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, INC. | 1550 W COLORADO BLVD PASADENA, CA 91105 | GUARDIAN | $54 | $0 | $54 | 0.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT & RISK MANAGEMENT SERVICES EIN 68-0306908 NONE | Consulting (general) Service code 16 | 80 IRON POINT CIRCLE STE 200 FOLSOM, CA 95630 | $72K |
| EMPLOYEE BENEFITS LAW GROUP NONE | Legal Service code 29 | 620 COOLIDGE DRIVE STE 100 FOLSOM, CA 95630 | $32K |
| JOHN WADDELL & CO CPAS EIN 94-2329070 NONE | Accounting (including auditing) Service code 10 | 3416 AMERICAN RIVER DRIVE SUITE A SACRAMENTO, CA 95864 | $16K |
| DEALEY, RENTON & ASSOCIATES NONE | Named fiduciary Service code 31 | P.O. BOX 12675 OAKLAND, CA 94604 | $12K |
| WEDBUSH NONE | Investment management Service code 28 | 455 CAPITOL MALL #150 SACRAMENTO, CA 95814 | $9K |
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 | 629 | 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) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 383 | $409K |
| Vision | MES VISION/GERBER LIFE INSURANCE | 330 | $44K |
| Life insurance(2 contracts, 2 carriers) | MES VISION/GERBER LIFE INSURANCE | 330 | $64K |
| Long-term disability | GUARDIAN | 404 | $233K |
| Other | CIGNA | 52 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
No prospect flags tripped on this filing.