| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIDDINGS, CORBY, HYNES, INC.3 | 1150 9TH STREET, SUITE 1400 MODESTO, CA 95354 | SUTTER HEALTH PLAN | $21K | — | $21K | 3.85% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | SUTTER HEALTH PLAN | $6K | — | $6K | 1.15% |
| GIDDINGS, CORBY, HYNES, INC.3 Filed as: GIDDINGS, CORBY, HANES, INC. | PO BOX 3231 MODESTO, CA 95353 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 3.02% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.01% |
| GIDDINGS, CORBY, HYNES, INC.3 Filed as: GIDDINGS CORBY HYNES INC. | PO BOX 3231 MODESTO, CA 95353 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 3.42% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | HUMANADENTAL INSURANCE COMPANY | $323 | — | $323 | 0.37% |
| GIDDINGS, CORBY, HYNES, INC.3 Filed as: GIDDINGS CORBY HYNES INC. | PO BOX 3231 MODESTO, CA 95353 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 11.25% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | HUMANA INSURANCE COMPANY | $765 | — | $765 | 3.75% |
| GIDDINGS, CORBY, HYNES, INC.3 | PO BOX3231 MODESTO, CA 95353 | VISION SERVICE PLAN | $712 | — | $712 | 4.69% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | VISION SERVICE PLAN | $212 | — | $212 | 1.40% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 82 | $1.1M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 154 | $87K |
| Vision | VISION SERVICE PLAN | 131 | $15K |
| Life insurance | HUMANA INSURANCE COMPANY | 193 | $20K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 82 | $1.1M |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 193 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.