| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 4.75% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $13K | $0 | $13K | 5.05% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KANSAS CITY LIFE INSURANCE COMPANY | $10K | $0 | $10K | 11.56% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $65 | $0 | $65 | 0.55% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, MD 95678 | VISION SERVICE PLAN | -$1 | $0 | -$1 | -0.01% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DRIVE ROCKLIN, CA 95677 | AFLAC | $782 | $10 | $792 | 14.33% |
| MJ INSURANCE3 Filed as: ANDY GLENN AND VARIOUS AGENTS | 2999 DOUGLAS BOULEVARD, SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $117 | $5 | $122 | 2.21% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS, INC. | 1079 SUNRISE AVENUE, SUITE B ROSEVILLE, CA 95661 | AFLAC | $98 | $0 | $98 | 1.77% |
| DAVID HUGH WALLACE3 | 1225 FITCH WAY SACRAMENTO, CA 95864 | AFLAC | $69 | $0 | $69 | 1.25% |
| JACE G KUERSTEN3 Filed as: JACE G. KUERSTEN | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $64 | $0 | $64 | 1.16% |
| RONDA MATHEW3 | 2030 13TH STREET, APARTMENT 3 SACRAMENTO, CA 95818 | AFLAC | $64 | $0 | $64 | 1.16% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $56 | $0 | $56 | 1.01% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | HEALTHIEST YOU | $498 | $0 | $498 | 15.00% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $919K |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 115 | $84K |
| Vision | VISION SERVICE PLAN | 85 | $12K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 115 | $84K |
| Short-term disability | AFLAC | 6 | $6K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $919K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 115 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.