| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 95655 | SUTTER HEALTH PLAN | $19K | — | $19K | 4.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $7K | — | $7K | 4.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | CALIFORNIA CHOICE | $6K | — | $6K | 4.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892159 | SUN LIFE ASSURNACE OF CANADA | $8K | — | $8K | 9.98% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURNACE OF CANADA | — | $240 | $240 | 0.31% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $17K | — | $17K | 47.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $9K | $9K | 23.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $1K | — | $1K | 5.80% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | VISION SERVICE PLAN | -$80 | — | -$80 | -0.45% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SUTTER HEALTH PLAN | 71 | $747K |
| Dental | BLUE CROSS OF CALIFORNIA | 33 | $36K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 85 | $54K |
| Life insurance | SUN LIFE ASSURNACE OF CANADA | 155 | $76K |
| Long-term disability | SUN LIFE ASSURNACE OF CANADA | 155 | $76K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 71 | $594K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURNACE OF CANADA | 155 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.