| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | SUTTER HEALTH PLAN | $56K | $0 | $56K | 4.87% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, VA 95864 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 4.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.74% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, VA 95864 | CYPRESS DENTAL ADMINISTRATORS | $9K | $0 | $9K | 3.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CYPRESS DENTAL ADMINISTRATORS | $3K | $0 | $3K | 1.46% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, VA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 6.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.82% |
| AMES-GRENZ INSURANCE SERVICES, INC.5 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE SUITE 3435 SACRAMENTO, VA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.59% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $5K | $0 | $5K | 5.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, VA 95864 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 3.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 2.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $1K | $0 | $1K | 1.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $784 | $0 | $784 | 3.96% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES GRENZ INSURANCE SERVICES | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, VA 95864 | VISION SERVICE PLAN | $692 | $0 | $692 | 3.49% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $237 | $0 | $237 | 7.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $62 | $0 | $62 | 1.88% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SUTTER HEALTH PLAN | 168 | $1.9M |
| Dental | CYPRESS DENTAL ADMINISTRATORS | 220 | $228K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 168 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $186K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $186K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $186K |
| Prescription drug(4 contracts, 4 carriers) | SUTTER HEALTH PLAN | 168 | $1.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.