| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN INC | $51K | — | $51K | 2.93% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | HEALTH NET | $73K | — | $73K | 8.42% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | PREMIER ACCESS INSURANCE COMPANY | $13K | — | $13K | 4.60% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.40% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DR STE C SACRAMENTO, CA 95864 | VISION SERVICE PLAN | $1K | — | $1K | 4.98% |
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 | 272 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 180 | $2.6M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 228 | $273K |
| Vision | VISION SERVICE PLAN | 225 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $168K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $168K |
| Prescription drug | HEALTH NET | 48 | $869K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.