| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH GONSALVES3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $75K | — | $75K | 2.05% |
| KENNETH M. MARSHALL SR.3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 0.59% |
| STEVEN J. WRIGHT3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 0.48% |
| SAM A. KOSTICH3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 0.33% |
| ROBERT E. WALTERS3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.17% |
| JACQUES ALERTE3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.15% |
| COLVEY GONSALVES3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.09% |
| CONNER GONSALVES3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.05% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $719K | $719K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $410K | $410K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $322K | $322K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $66K | $66K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $51K | $51K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $27K | $27K | 25.00% |
| DOUG BORG3 | 42425 JACKSON ST., C104 INDIO, CA 92203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $268 | — | $268 | 3.94% |
| DEREK SCHELL3 | 23875 VENTURA BLVD., SUITE 201B CALABASAS, CA 91302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| JEFFREY REYNOLDS3 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | JACKSON NATIONAL INSURANCE COMPANY | $47 | — | $47 | 15.02% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | FIDELITY SECURITY LIFE | — | $6 | $6 | 3.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENJAMIN SYBESMA EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $274K |
| MICHAEL SMALLEY EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $224K |
| LUPITA RUIZ EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $217K |
| STROZ FREIDBERG LLC NONE | Direct payment from the plan; Consulting (general) Service code 16 | 101 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | $212K |
| CONSUMER INFO .COM NONE | Other services; Direct payment from the plan Service code 49 | 475 ANTON BLVD. COSTA MESA, CA 92626 | $158K |
| MICHELLE L SAIENNI EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $148K |
| DEBORAH A JOHNSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $142K |
| DANIEL BEAMAN EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $141K |
| PETER J SANDS EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $139K |
| BASYS, INC NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3700 KOPPERS STREET, SUITE 400 BALTIMORE, MD 21227 | $124K |
| JORDAN BARGAS EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $120K |
| LYNN NOLAND EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $111K |
| SHALLY SINGH EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $108K |
| SHANA M SIMS EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $104K |
| STEVEN HALL EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $101K |
| TRUCKER HUSS EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | — | $100K |
| JOTI CHAND EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| ANGELA MURILLO EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $98K |
| SELLWOOD CONSULTING EIN 80-1827237 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $97K |
| VERONICA M SAMPSON EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $97K |
| JANET L SANDS EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $96K |
| GERROLD EATON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $94K |
| KEVIN SMALLLEY EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $93K |
| MARIETTA TANGUILEG EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $90K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $88K |
| KATHRYN A. KNIGHT EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| CYNTHIA R OLIVER EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $86K |
| AMY LIVINGSTONE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| LORETTA J DOOLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| CONNIE QUARTIER EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| MICHAEL JUAREZ EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $82K |
| VANESSA PINEDA EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $79K |
| TERESA L CONDON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $79K |
| JAMES BAUMILLER EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| TONI GURULE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| WANDA HINES EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| ERIKA MENDEZ EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $67K |
| VICTORIA DAVIS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| IRON MOUNTIAN EIN 04-3038590 NONE | Other services; Direct payment from the plan Service code 49 | — | $60K |
| MEREDITH KING EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| JOSE GONSLAVES CONSULTING EIN 53-0668189 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $55K |
| GAGANPREET HAYER EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $49K |
| COMMERCE PRINTING EIN 61-0168958 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $30K |
| PREMIER PRINT & MAIL NONE | Copying and duplicating; Direct payment from the plan Service code 36 | 2615 DEL MONTE STREET WEST SACRAMENTO, CA 95691 | $26K |
| KAILYNN NEWSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $26K |
| N.W. PLAN SERVICES EIN 91-2090931 NONE | Actuarial; Consulting (pension); Direct payment from the plan Service code 11 | — | $23K |
| PREMIER TECHNOLOGY SOLUTIONS NONE | Direct payment from the plan; Consulting (general) Service code 16 | 232 MADISON AVENUE NEW YORK, NY 10016 | $22K |
| EDIE BAILLY EIN 45-0250958 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $22K |
| US LEGAL EIN 68-0115281 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $22K |
| WIZIX TECHNOLOGY NONE | Direct payment from the plan; Consulting (general) Service code 16 | 2014 TAYLOR ROAD ROSEVILLE, CA 95678 | $21K |
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 | 28,622 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14,843 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 43,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $7K |
| Life insurance(6 contracts, 3 carriers) | NEW YORK LIFE INSURANCE COMPANY | 22,039 | $5.9M |
| Other(6 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 22,039 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,039 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.