| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS, USA | 10940 WHITE ROCK ROAD 2ND FLOOR RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIAN'S SERVICE | $284K | $63K | $348K | 3.18% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES, INC | 150 N MICHIGAN AVE SUITE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN INC. | $112K | — | $112K | 1.88% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $32K | — | $32K | 3.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES, INC | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 1.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO OF CA | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78K | $14K | $92K | 13.93% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 90 S CASCADE AVE COLORADO SPRINGS, CO 80903 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $15K | $2K | $16K | 5.04% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA, | P. O. BOX 39000 SAN FRANSISCO, CA 941390001 | VISION SERVICE PLAN | $4K | — | $4K | 1.97% |
| HAFT JOSEPH PETER3 | 321 33RD STREET SACRAMENTO, CA 95816 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 2.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVS USA | PO BOX 601478 CHARLOTTE, NC 28260 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WELLS FARGO INSURANCE SERVICES3 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $20 | — | $20 | 16.13% |
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 | 2,225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 1,153 | $19.1M |
| Vision | VISION SERVICE PLAN | 1,187 | $217K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,225 | $663K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,225 | $663K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,225 | $663K |
| Prescription drug(6 contracts, 5 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 1,153 | $19.1M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 2,225 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,225 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.