| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR., SUITE 100 FOLSOM, CA 95630 | BLUE CROSS OF CALIFORNIA | $46K | — | $46K | 4.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $9K | $9K | 0.94% |
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR., SUITE 100 FOLSOM, CA 95630 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | — | $6K | 2.97% |
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR., SUITE 100 FOLSOM, CA 95630 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.39% |
| GRAYBILL INSURANCE AGENCY, INC.3 | 101 PARKSHORE DR., SUITE 100 FOLSOM, CA 95630 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 23.54% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 96 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $94K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $94K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $142K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.