| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 95655 | SUTTER HEALTH PLAN | $22K | — | $22K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | CALIFORNIA CHOICE | $4K | — | $4K | 3.57% |
| BENEFITMALL3 Filed as: BENEFITMALL CORPORATE OFFICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CALIFORNIA CHOICE | $4K | — | $4K | 3.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD SUITE 300 RANCHO CORDOVA, CA 95670 | WESTERN HEALTH ADVANTAGE | $5K | — | $5K | 4.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $16K | — | $16K | 43.72% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $8K | $8K | 21.86% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | SUN LIFE ASSURANCE OF CANADA | $4K | — | $4K | 11.19% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE OF CANADA | — | $160 | $160 | 0.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 102159 PASADENA, CA 911892189 | VISION SERVICE PLAN | $966 | — | $966 | 5.97% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SUTTER HEALTH PLAN | 62 | $699K |
| Dental | BLUE CROSS OF CALIFORNIA | 37 | $36K |
| Vision | VISION SERVICE PLAN | 84 | $16K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 133 | $35K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 133 | $35K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 62 | $543K |
| Other | SUN LIFE ASSURANCE OF CANADA | 133 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.