| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $690K | $690K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $495K | $495K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $425K | $425K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $60K | $60K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY, SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $52K | $52K | 25.00% |
| CCPOA BENEFIT TRUST FUND5 | 2515 VENTURE OAKS WAY SUITE 200 SACRAMENTO, CA 95833 | NEW YORK LIFE INSURANCE COMPANY | — | $26K | $26K | 25.00% |
| DOUG BORG3 | 42425 JACKSON ST C104 INDIO, CA 92203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 3.94% |
| DEREK SCHELL3 | 23875 VENTURA BLVD SUITE 201B CALABASAS, CA 91302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.15% |
| JEFFREY REYNOLDS3 | 2515 VENTURE OAKS WAY SUITE 200 SACRAMENTO, CA 95833 | JACKSON NATIONAL LIFE 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 | Direct payment from the plan; Employee (plan) Service code 30 | — | $281K |
| BAYSYS EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $252K |
| RUIZ GUADALUPE EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $210K |
| DANIEL BEAMAN EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $190K |
| JAMES BAUMILLER EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $179K |
| MICHELLE L SAIENNI EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $161K |
| DEBORAH A JOHNSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $148K |
| PETER J SANDS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $144K |
| JORDAN BARGAS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $131K |
| SHANA M POWELL EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $122K |
| SHALLY SIGNH EIN 94-6459649 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $118K |
| LYNN NOLAND EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $111K |
| ANGELA MURILLO EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $109K |
| SELLWOOD EIN 80-1827237 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $107K |
| KATHRYN A KNIGHT EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $106K |
| JOTI CHAND EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $106K |
| STEVEN HALL EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $105K |
| VERONICA M SAMPSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $104K |
| MARIETTA TANGUILEG EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| AMY LIVINGSTONE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $102K |
| JANET L SANDS EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $102K |
| GERROLD EATON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $99K |
| KEVIN SMALLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $98K |
| TRUCKER HUSS EIN 94-3216063 NONE | Legal; Direct payment from the plan Service code 29 | — | $93K |
| MICHAEL JUAREZ EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $92K |
| MELISSA GRANDY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| LORETTA J DOOLEY EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| VANESSA PINEDA EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| TERESA L CONDON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $84K |
| TONI GURULE EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $82K |
| VICTORIA DAVIS EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $78K |
| ERIKA MENDEZ EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $74K |
| WANDA HINES EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $73K |
| MEREDITH KING EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $61K |
| KAILYNN NEWSON EIN 94-6459649 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| CONNIE QUARTIER EIN 94-6459649 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| COMMERECE PRINTING EIN 61-0168958 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $50K |
| CYNTHIA R OLIVER EIN 94-6459670 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $43K |
| HYSSOP, INC EIN 38-4166792 NONE | Other services; Direct payment from the plan Service code 49 | — | $43K |
| IRON MOUNTAIN EIN 04-3038590 NONE | Other services; Direct payment from the plan Service code 49 | — | $41K |
| SOFTCHOICE CORPORATION NONE | Direct payment from the plan; Other services Service code 49 | 101 MISSION ST. SUITE 450 SAN FRANSICO, CA 94105 | $35K |
| NEXTIVA NONE | Direct payment from the plan; Other services Service code 49 | 9451 EAST VIA DE VENTURA SCOTTSDALE, AZ 85256 | $32K |
| WIZIX TECHNOLOGY GROUP, INC NONE | Consulting (general); Direct payment from the plan Service code 16 | 2014 TAYLOR RD ROSEVILLE, CA 95678 | $27K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| ALLSTREAM BUSINESS US INC NONE | Direct payment from the plan; Other services Service code 49 | 18110 SE 34TH STREET BDLG. ONE SUITE 100 VANCOUVER, WA 98683 | $21K |
| JOE GONSALVES CONSULTING EIN 53-0668189 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $21K |
| PREMIER PRINT & MAIL NONE | Direct payment from the plan; Copying and duplicating Service code 36 | 2615 DEL MONTE ST WEST SACRAMENTO, CA 95691 | $18K |
| WITHUMSMITH & BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $16K |
| N.W PLAN SERVICES EIN 91-2090931 NONE | Actuarial; Direct payment from the plan; Consulting (pension) Service code 11 | — | $16K |
| ADP NONE | Other services; Direct payment from the plan Service code 49 | 9310 TECH CENTER DR SACRAMENTO, CA 95826 | $10K |
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 | 28,003 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15,425 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 43,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TRIADA ASSURANCE HOLDINGS LLC | 8,196 | $5.3M |
| Life insurance(6 contracts, 3 carriers) | NEW YORK LIFE INSURANCE COMPANY | 21,605 | $6.5M |
| Short-term disability | TRIADA ASSURANCE HOLDINGS LLC | 8,196 | $5.3M |
| Other(5 contracts, 3 carriers) | NEW YORK LIFE INSURANCE COMPANY | 21,605 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,605 | — |
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.