| 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 | $215K | $12K | $227K | 1.74% |
| 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. | $136K | — | $136K | 2.08% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA, | P. O. BOX 39000 SAN FRANSISCO, CA 941390001 | VISION SERVICE PLAN | $4K | — | $4K | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES USA | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $36K | — | $36K | 2.95% |
| 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 | $14K | — | $14K | 2.03% |
| 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 | $20K | $520 | $20K | 5.06% |
| HAFT JOSEPH PETER3 | 321 33RD STREET SACRAMENTO, CA 95816 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $7K | — | $7K | 2.97% |
| 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 | $73K | — | $73K | 133.61% |
| WELLS FARGO INSURANCE SERVICES3 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 10.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SRVS USA | PO BOX 601478 CHARLOTTE, NC 28260 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 2,378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 1,179 | $22.2M |
| Vision | VISION SERVICE PLAN | 1,289 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,046 | $54K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,046 | $93K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,046 | $54K |
| Prescription drug(6 contracts, 5 carriers) | CALIFORNIA PHYSICIAN'S SERVICE | 1,179 | $22.2M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 2,378 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,378 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.