| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | SUTTER HEALTH PLAN | $59K | $0 | $59K | 5.00% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | $0 | $33K | 2.95% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | CYPRESS DENTAL ADMINISTRATORS | $14K | $0 | $14K | 5.21% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $8K | $0 | $8K | 5.00% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | ANTHEM BLUE CROSS | $2K | $0 | $2K | 5.12% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.45% |
| AMEZ-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE #C SACRAMENTO, CA 95864 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $364 | $0 | $364 | 10.00% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SUTTER HEALTH PLAN | 210 | $2.5M |
| Dental | CYPRESS DENTAL ADMINISTRATORS | 238 | $274K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 168 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $201K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $201K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $201K |
| Prescription drug(4 contracts, 4 carriers) | SUTTER HEALTH PLAN | 210 | $2.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.