| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $50K | $0 | $50K | 2.98% |
| WRAITH, SCARLETT & RANDOLPH3 | 509 BUSH STREET WOODLAND, CA 95695 | WESTERN HEALTH ADVANTAGE | $26K | $0 | $26K | 1.55% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $32 | $13K | 6.72% |
| WRAITH, SCARLETT & RANDOLPH3 | 509 BUSH STREET WOODLAND, CA 95695 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.32% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | VISION SERVICE PLAN | $968 | $0 | $968 | 3.98% |
| WRAITH, SCARLETT & RANDOLPH3 Filed as: WRAITH SCARLETT & RANDOLPH INS SVCS | 509 BUSH STREET WOODLAND, CA 95695 | VISION SERVICE PLAN | $659 | $0 | $659 | 2.71% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTERN HEALTH ADVANTAGE | 255 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $197K |
| Vision | VISION SERVICE PLAN | 155 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $197K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $197K |
| Prescription drug | WESTERN HEALTH ADVANTAGE | 255 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.