| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAYBILL INSURANCE AGENCY, INC.3 Filed as: GRAYBILL INSURANCE AGENCY | 101 PARKSHORE DR STE 100 FOLSOM, CA 95630 | BLUE CROSS OF CALIFORNIA | $80K | $0 | $80K | 4.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $32K | $32K | 1.95% |
| GRAYBILL INSURANCE AGENCY, INC.3 Filed as: GRAYBILL INSURANCE AGENCY | 101 PARKSHORE DR STE 100 FOLSOM, CA 95630 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $6K | $0 | $6K | 3.01% |
| GRAYBILL INSURANCE AGENCY, INC.3 Filed as: GRAYBILL INSURANCE AGENCY | 101 PARKSHORE DR STE 100 FOLSOM, CA 95630 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91364 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.93% |
| GRAYBILL INSURANCE AGENCY, INC.3 Filed as: GRAYBILL INSURANCE AGENCY | 101 PARKSHORE DR STE 100 FOLSOM, CA 95630 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 10.76% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 109 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $126K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $126K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 165 | $194K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 57 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 57 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.