| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | — | $17K | 2.92% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | WESTERN HEALTH ADVANTAGE | $6K | — | $6K | 7.69% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | DELTA DENTAL OF CALIFORNIA (PPO) | $7K | — | $7K | 10.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | GERBER LIFE INSURANCE CO. (MES VISION - OLD PLAN) | $97 | — | $97 | 5.01% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | BLUE SHIELD OF CALIFORNIA (LIFE) | $158 | — | $158 | 10.01% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | DELTA CARE OF CALIFORNIA (DHMO) | $127 | — | $127 | 10.02% |
| AME C EKSTROM Filed as: AME | — | DELTA CARE OF CALIFORNIA (DHMO) | — | — | $0 | 0.00% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | GERBER LIFE INSURANCE CO. (MES VISION - NEW PLAN) | $26 | — | $26 | 4.91% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | CIGNA GROUP INSURANCE (AD & D) | $0 | — | $0 | 0.00% |
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 | 66 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 32 | $656K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA (PPO) | 43 | $69K |
| Vision(2 contracts, 2 carriers) | GERBER LIFE INSURANCE CO. (MES VISION - OLD PLAN) | 10 | $2K |
| Life insurance | BLUE SHIELD OF CALIFORNIA (LIFE) | 15 | $2K |
| Short-term disability | CIGNA GROUP INSURANCE (AD & D) | 15 | $122 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.