| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 3.51% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 3.50% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $2K | $97 | $3K | 4.60% |
| MJ INSURANCE3 Filed as: GUSTAVO ARRIAGA II & VARIOUS AGENTS | 1140 MANGROVE AVENUE, SUITE D CHICO, CA 95991 | AFLAC | $2K | $39 | $2K | 4.22% |
| NEAL E. DAILY3 | 1852 WEST 11TH STREET, SUITE 310 TRACY, CA 95376 | AFLAC | $1K | — | $1K | 2.38% |
| LEAVITT GROUP3 | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | AFLAC | $1K | — | $1K | 2.25% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $993 | — | $993 | 1.82% |
| FRANCISCO MALDONADO3 Filed as: FRANCISCO MALDANADO | 1424 TULLOCH DRIVE TRACY, CA 95304 | AFLAC | $764 | — | $764 | 1.40% |
| ANA PATRICIA ARRIAGA3 | 1115 GRAY AVENUE YUBA CITY, CA 95991 | AFLAC | $503 | $19 | $522 | 0.96% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 179 | $1.4M |
| Dental | AFLAC | 64 | $54K |
| Vision | BLUE CROSS OF CALIFORNIA | 179 | $872K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 179 | $927K |
| Short-term disability | AFLAC | 64 | $54K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 179 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 179 | $927K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.