| 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. | $36K | $0 | $36K | 4.94% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $12K | $0 | $12K | 5.00% |
| CHRIS BENDER3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.16% |
| MARGARET JOHNSON3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KANSAS CITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.07% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $56 | $0 | $56 | 0.50% |
| CELITA ANN PEDRO3 Filed as: CELITA PEDRO | 6705 MIRAVISTA DRIVE ROCKLIN, CA 95677 | AFLAC | $657 | $35 | $692 | 11.45% |
| MJ INSURANCE3 Filed as: PETER SARANTIS AND VARIOUS AGENTS | 7775 DUTRA BEND DRIVE SACRAMENTO, CA 95831 | AFLAC | $102 | $8 | $110 | 1.82% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS. SOLUTIONS, INC. | 1390 BROADWAY, SUITE B-125 PLACERVILLE, CA 95667 | AFLAC | $88 | $0 | $88 | 1.46% |
| DAVID HUGH WALLACE3 Filed as: DAVID WALLACE | 1225 FITCH WAY SACRAMENTO, CA 95864 | AFLAC | $68 | $0 | $68 | 1.12% |
| RONDA MATHEW3 | 2030 13TH STREET, APARTMENT 3 SACRAMENTO, CA 95818 | AFLAC | $58 | $8 | $66 | 1.09% |
| JACE KUERSTEN3 | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $62 | $0 | $62 | 1.03% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | PO BOX 1932 LINCOLN, CA 95648 | AFLAC | $44 | $0 | $44 | 0.73% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | HEALTHIEST YOU | $751 | $0 | $751 | 15.01% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 111 | $976K |
| Dental | KANSAS CITY LIFE INSURANCE COMPANY | 125 | $93K |
| Vision | VISION SERVICE PLAN | 90 | $11K |
| Life insurance | KANSAS CITY LIFE INSURANCE COMPANY | 125 | $93K |
| Short-term disability | AFLAC | 9 | $6K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 111 | $976K |
| Other(3 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 125 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.