| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 3.48% |
| FRANCISCO MALDONADO3 Filed as: FRANCISCO MALDONADO AND OTHER AGTS | 1242 TULLOCH DRIVE TRACY, CA 95304 | AFLAC | $2K | $54 | $2K | 3.57% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $2K | $0 | $2K | 3.09% |
| NEAL E. DAILY3 | 1852 WEST 11TH STREET, SUITE 310 TRACY, CA 95376 | AFLAC | $1K | $45 | $1K | 2.13% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | AFLAC | $1K | $0 | $1K | 1.74% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $807 | $0 | $807 | 1.36% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $483 | $9 | $492 | 0.83% |
| FALCE BENEFITS GROUP INC.3 | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $332 | $9 | $341 | 0.58% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS. SVCS. | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 14.80% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 164 | $774K |
| Dental | AFLAC | 60 | $59K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 202 | $54K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 202 | $113K |
| Short-term disability | AFLAC | 60 | $59K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 164 | $774K |
| Other(2 contracts, 2 carriers) | AFLAC | 202 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.