| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1001 GALAXY WAY, SUITE 300 CONCORD, CA 94520 | KAISER PERMANENTE | $62K | $0 | $62K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | UNKNOWN SAINT HELENA, CA 94574 | KAISER PERMANENTE | $54K | $0 | $54K | 4.36% |
| USI INSURANCE SERVICES LLC3 | 1001 GALAXY WAY, SUITE 300 CONCORD, CA 94520 | ANTHEM BLUE CROSS | $10K | $0 | $10K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | UNKNOWN SAINT HELENA, CA 94574 | ANTHEM BLUE CROSS | $9K | $0 | $9K | 4.36% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.05% |
| TIMOTHY FRANCIS RANUIO3 Filed as: TIMOTHY RANUIO | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $122 | $0 | $122 | 6.03% |
| SAHAR QABAZARD3 | 443 SOUTH MAPLE DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $22 | $0 | $22 | 1.09% |
| THOMAS KUNTZ3 | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | AFLAC | $10 | $0 | $10 | 0.49% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $7 | $0 | $7 | 0.35% |
| LOUIS CHANDLER CASTLEBERRY3 Filed as: LOUIS CASTLEBERRY | 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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER PERMANENTE | 188 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $173K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $173K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $173K |
| Prescription drug(2 contracts, 2 carriers) | KAISER PERMANENTE | 188 | $1.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 399 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.