| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH GONSALVES0 | — | COMBINED INSURANCE COMPANY OF AMERICA | $219K | — | $219K | 2.49% |
| KENNETH C MEIER CORP0 Filed as: KENNETH MARSHALL SR. | — | COMBINED INSURANCE COMPANY OF AMERICA | $134K | — | $134K | 1.52% |
| STEVEN RAY GRIFFIN0 Filed as: STEVEN WRIGHT | — | COMBINED INSURANCE COMPANY OF AMERICA | $112K | — | $112K | 1.27% |
| J SAM PLEXIOC CLU0 Filed as: SAM KOSTICH | — | COMBINED INSURANCE COMPANY OF AMERICA | $95K | — | $95K | 1.08% |
| KENNETH C MEIER CORP0 Filed as: KENNETH MARSHALL JR. | — | COMBINED INSURANCE COMPANY OF AMERICA | $83K | — | $83K | 0.94% |
| JACQUES ALERTE0 | — | COMBINED INSURANCE COMPANY OF AMERICA | $54K | — | $54K | 0.61% |
| ROBERT G. RELPH AGENCY, INC.0 Filed as: ROBERT WALTERS | — | COMBINED INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 0.50% |
| ALFONSO SALDANA0 Filed as: ALFONSO MORGANTE | — | COMBINED INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 0.19% |
| BRIAN WHITE0 Filed as: BRIAN MCCARTHY | — | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.06% |
| NONE | — | NEW YORK LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | COMBINED STATES L.S., INC. | — | — | $0 | 0.00% |
| JEFFREY REYNOLDS3 | 755 RIVERPOINT DR #100 W. SACRAMENTO, CA 95605 | JACKSON NATIONAL LIFE INSURANCE COMPANY | $437 | — | $437 | 22.18% |
| JEFFERY I. REYNOLDS3 | 755 RIVERPOINT DR #100 W. SACRAMENTO, CA 95605 | NATIONAL FOUNDATION LIFE INSURANCE COMPANY | $46 | — | $46 | 19.83% |
| JEROME R. FERRERI0 | 2180 S. HARBOR BLVD ANAHEIM, CA 92802 | NATIONAL FOUNDATION LIFE INSURANCE COMPANY | $12 | — | $12 | 5.17% |
| JEFFERY REYNOLDS3 | 2515 VENTURE OAKS WAY #200 SACRAMENTO, CA 95833 | FIDELITY SECURITY LIFE | $6 | — | $6 | 3.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHAEL SMALLEY EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $299K |
| BENJAMIN SYBESMA EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $225K |
| KATHRYN A. KEEFE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $154K |
| SUMAN JHA EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $135K |
| JAMES BAUMILLER EIN 94-6459649 PARTY IN INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | — | $99K |
| JOE GONSALVES CONSULTING EIN 53-0668189 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $97K |
| MICHELLE SAIENNI EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $92K |
| LUPITA RUIZ EIN 94-9459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $88K |
| DEBORAH JOHNSON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $83K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Direct payment from the plan; Consulting (general) Service code 11 | 120 MONTGOMERY STREET, SUITE 500 SAN FRANCISCO, CA 94104 | $80K |
| KATHRYN GUERRIERO EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $79K |
| PETER SANDS EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $75K |
| JORDAN BARGAS EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $74K |
| LISA TENNISON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $71K |
| TRUCKER HUSS EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | ONE EMBARCADERO CENTER, 12TH FLOOR SAN FRANCISCO, CA 941113617 | $70K |
| AMY LIVINGSTONE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $70K |
| KATHRYN KNIGHT EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $67K |
| JANET SANDS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $64K |
| TERES L. CONDON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $64K |
| SHANA SIMS EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $63K |
| COLETTE EAGLES EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $62K |
| STEVEN HALL EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $62K |
| CHRISTINE MONTIJO EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $59K |
| CONNIE QUARTIER EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $57K |
| VERONICA SAMPSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $57K |
| GERROLD EATON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $55K |
| EVELYN HEEB EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $54K |
| LORETTA J. PRICE EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $52K |
| RAYMOND AXTON EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $52K |
| OFELIA AUSTIN EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $47K |
| CYNTHIA OLIVER EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $45K |
| SHALLY SINGH EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $40K |
| ANGELA MURILLO EIN 94-6459649 EMPLOYEE | Other fees; Direct payment from the plan Service code 50 | — | $35K |
| JONI SMALLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $35K |
| PATRICK DAY EIN 94-6459649 PARTY IN INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | — | $31K |
| WESPAC ADVISORS LLC EIN 26-2824865 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $30K |
| HEMMING MORSE EIN 30-0702322 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $26K |
| SELLWOOD EIN 80-0827237 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $25K |
| WESSON CHERRY EIN 94-6459649 PARTY IN INTEREST | Direct payment from the plan; Trustee (directed) Service code 25 | — | $22K |
| CARISSA WONG EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Other fees Service code 50 | — | $22K |
| DAN BEAMAN EIN 94-6459649 PARTY IN INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | — | $18K |
| PAULA GOODES EIN 94-6459649 PARTY IN INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | — | $14K |
| US LEGAL EIN 68-0115281 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $14K |
| STEVE HERRERA EIN 94-6459649 PARTY IN INTEREST | Trustee (directed); Direct payment from the plan Service code 25 | — | $12K |
| WELLS FARGO EIN 56-1882208 NONE | Insurance brokerage commissions and fees; Direct payment from the plan Service code 50 | — | $7K |
| AMALGAMATED BANK EIN 95-4314552 NONE | Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 275 7TH AVENUE NEW YORK, NY 10001 | $5K |
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 | 29,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11,418 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 40,442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | NEW YORK LIFE INSURANCE COMPANY | 3,527 | $5.6M |
| Other(5 contracts, 5 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 9,903 | $14.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,903 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.