| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | CALIFORNIA CHOICE | $66K | $0 | $66K | 4.98% |
| THOMAS KUNTZ3 Filed as: THOMAS E. KUNTZ | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.21% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.99% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $133 | $0 | $133 | 6.58% |
| SAHAR QABAZARD3 | 443 SOUTH MAPLE DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $24 | $0 | $24 | 1.19% |
| THOMAS ERIC KUNTZ3 | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | AFLAC | $11 | $0 | $11 | 0.54% |
| DAVID B. KITCHEN3 | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $8 | $0 | $8 | 0.40% |
| LOUIS CHANDLER CASTLEBERRY3 | 1150 VILLAGE WAY SEBASTOPOL, CA 95472 | AFLAC | $7 | $0 | $7 | 0.35% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 185 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $166K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $166K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $166K |
| Prescription drug | CALIFORNIA CHOICE | 185 | $1.3M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 371 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.