| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | $0 | $35K | 3.25% |
| MJ INSURANCE3 Filed as: DONA DEVINY & VARIOUS AGENTS | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $1K | $0 | $1K | 2.91% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $982 | $0 | $982 | 2.50% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | AFLAC | $547 | $0 | $547 | 1.39% |
| NEAL E. DAILY3 | 1852 WEST 11TH STREET, SUITE 310 TRACY, CA 95376 | AFLAC | $525 | $0 | $525 | 1.33% |
| DAVID B. KITCHEN3 | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $494 | $0 | $494 | 1.26% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $300 | $0 | $300 | 0.76% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DRIVE SACRAMENTO, CA 95831 | AFLAC | $174 | $0 | $174 | 0.44% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 560 SOUTH 300 EAST, SUITE 150 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $351 | $351 | 0.97% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 10.04% |
| MARK MCDONALD4 Filed as: MARK D. MCDONALD | 1365 SEACOAST DRIVE, SUITE M IMPERIAL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $138 | $0 | $138 | 4.71% |
| GARY E. HUETTINGER4 | 3033 BLACK HILLS COURT WESTLAKE VILLAGE, CA 91362 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $135 | $0 | $135 | 4.60% |
| JULIE W JEFFRIES4 Filed as: JULIE W. JEFRIES | 501 GIBSON DRIVE, SUITE 1211 ROSEVILLE, CA 95678 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 0.85% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 197 | $1.1M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 216 | $13K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 168 | $76K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 197 | $1.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 168 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.