| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.28% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $7K | — | $7K | 7.47% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | DELTA DENTAL OF CALIFORNIA (PPO) | $435 | — | $435 | 10.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | GERBER LIFE INSURANCE CO. (MES VISION - OLD PLAN) | $28 | — | $28 | 5.01% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | DELTA CARE OF CALIFORNIA (DHMO) | $46 | — | $46 | 10.04% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | GERBER LIFE INSURANCE CO. (MES VISION - OLD PLAN) | $7 | — | $7 | 4.83% |
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 | 20 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 10 | $205K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA (PPO) | 4 | $5K |
| Vision(2 contracts) | GERBER LIFE INSURANCE CO. (MES VISION - OLD PLAN) | 6 | $704 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.