| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAVIN & SCHREINER INSURANCE3 | 828 1ST ST STE A BENICIA, CA 94510 | KAISER FOUNDATION HEALTH PLAN INC | $36K | — | $36K | 4.14% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET SUITE A BENICIA, CA 94510 | WESTERN HEALTH ADVANTAGE | $8K | — | $8K | 5.00% |
| GAVIN & SCHREINER INSURANCE3 | 828 1ST ST STE A BENICIA, CA 94510 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.34% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $511 | $3K | 3.58% |
| STAMEY, KENNETH FOREST3 | 125 N LINCOLN STE 125 DIXON, CA 95620 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| GAVIN & SCHREINER INSURANCE3 Filed as: GAVIN & SCHRIENER INSURANCE | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.53% |
| GAVIN & SCHREINER INSURANCE3 Filed as: GAVIN & SCHRIIENER INS SVCS. | 828 1ST ST STE A BENICIA, CA 94510 | VISION SERVICES PLAN | $946 | — | $946 | 5.77% |
| STAMEY, KENNETH FOREST3 | 125 N LINCOLN STE 125 DIXON, CA 95620 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $793 | — | $793 | 5.67% |
| GAVIN & SCHREINER INSURANCE3 | 828 FIRST STREET, SUITE A BENICIA, CA 94510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $665 | — | $665 | 4.75% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 159 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 167 | $97K |
| Vision | VISION SERVICES PLAN | 100 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $25K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.