| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C. PLACAK & ASSOCIATES, INC. | 790 MISSION AVE SAN RAFAEL, CA 949013207 | KAISER FOUNDATION HEALTH PLAN INC | $52K | — | $52K | 5.05% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C. PLACAK & ASSOCIATES | 790 MISSION AVE SAN RAFAEL, CA 94901 | HEALTH NET | $31K | $6K | $36K | 4.20% |
| ROBERT C PLACAK & ASSOCIATES3 | 790 MISSION AVENUE SAN RAFAEL, CA 94901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $9K | $29K | 14.85% |
| ROBERT C PLACAK & ASSOCIATES3 | 790 MISSION AVE SAN RAFAEL, CA 94901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.81% |
| ROBERT C PLACAK & ASSOCIATES3 | 790 MISSION AVE SAN RAFAEL, CA 94901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.84% |
| ROBERT C PLACAK & ASSOCIATES3 Filed as: ROBERT C. PLACAK & ASSOCIATES | 790 MISSION AVE SAN RAFAEL, CA 949013207 | VISION SERVICE PLAN | $1K | — | $1K | 5.87% |
| ROBERT C PLACAK & ASSOCIATES3 | 790 MISSION AVENUE SAN RAFAEL, CA 94901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $695 | $2K | 22.82% |
| ROBERT C. PLACAK & ASSOC. INC.3 Filed as: ROBERT C PLACAK & ASSOC INC | 790 MISSION AVE SAN RAFAEL, CA 94901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 17.67% |
| BRETT WELTY INSURANCE AGENCY INC3 | 5675 RUFFIN RD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $148 | $29 | $177 | 8.86% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $26 | $98 | 4.90% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | 3217 STAR AVE OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $4 | $77 | 3.85% |
| LORI LAINE3 | 35837 CARTER ST YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $14 | $59 | 2.95% |
| ARIADNE DE BASABE-MACHICHE3 | 1102 NIMROD CIRCLE CORONA, CA 92880 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 1.20% |
| KEVIN FITZGERALD HOWARD3 | 561 BODEN WAY APT 3B OAKLAND, CA 94610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $5 | $13 | 0.65% |
| FERNAN ENRIQUE LOPEZ3 | 735 DOLORES ST #1 SAN FRANCISCO, CA 94110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| ROBERT C PLACAK & ASSOCIATES3 | 790 MISSION AVE SAN RAFAEL, CA 94901 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $231 | $112 | $343 | 22.27% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 169 | $1.9M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $193K |
| Vision | VISION SERVICE PLAN | 153 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $25K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 197 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.