| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER'S INSURANCE AGENCY, INC. | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | BLUE SHIELD OF CALIFORNIA | $45K | — | $45K | 3.09% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SEREVICE | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | BLUE SHIELD OF CALIFORNIA | $28K | — | $28K | 1.91% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SERVICE | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 940251055 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 2.86% |
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER'S INSURANCE AGENCY, INC. | 900 HOWE AVENUE SUITE 220 SACRAMENTO, CA 95825 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 2.39% |
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER INSURANCE AGENCY | 900 HOWE AVE SUITE 220 SACRAMENTO, CA 95825 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.52% |
| INTERNATIONAL PROINSURANCE SERVICES3 Filed as: INTERNATIONAL PROINSURANCE SERVICE | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 94025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.08% |
| STEMLER'S INSURANCE AGENCY INC3 Filed as: STEMLER'S INSURANCE AGENCY | 900 HOWE AVE SUITE 220 SACRAMENTO, CA 95825 | VISION SERVICE PLAN | $760 | — | $760 | 4.26% |
| INTERNATIONAL PROINSURANCE SERVICES3 | 3925 BOHANNON DRIVE SUITE 100 MENLO PARK, CA 940251055 | VISION SERVICE PLAN | $270 | — | $270 | 1.51% |
| KATHLEEN M JAEGER3 | 202 COUNTRY MEADOWS LN DANVILLE, CA 94506 | AFLAC | $2K | $19 | $2K | 16.13% |
| REBECCA J HANEY3 | 1501 WILLIAM WAY CONCORD, CA 94520 | AFLAC | $267 | — | $267 | 2.59% |
| DANIEL H GRIFFIN3 | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $210 | — | $210 | 2.04% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIRCLE SUITE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $128 | $4 | $132 | 1.28% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 110 HASLEMERE COURT LAFAYETTE, CA 94549 | AFLAC | $93 | — | $93 | 0.90% |
| LEE C SCHEUER3 | 75 CHEYENNE POINT PORTOLA VALLEY, CA 94028 | AFLAC | $54 | — | $54 | 0.52% |
| JON P BATES JR3 | 440 REGENTS PARK DRIVE VALLEJO, CA 94591 | AFLAC | $44 | — | $44 | 0.43% |
| CALIFORNIA EAST BAY INS SERV INC3 | 5236 TAPESTRY CT FAIRFIELD, CA 94534 | AFLAC | $30 | — | $30 | 0.29% |
| RICHARD J KUNZ3 Filed as: RICHARD KUNZ | 351 CALIFORNIA ST SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $17 | $4 | $21 | 0.20% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $17 | — | $17 | 0.17% |
| GERI KRUEGER3 | 5236 TAPESTRY CT FAIRFIELD, CA 94534 | AFLAC | $11 | — | $11 | 0.11% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $6 | — | $6 | 0.06% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD SUITE 140 FOLSOM, CA 95630 | AFLAC | $2 | — | $2 | 0.02% |
| INTERNATIONAL PROINSURANCE SERVICES3 | P.O. BOX 2540 MENLO PARK, CA 94026 | UDC DENTAL OF CALIFORNIA, INC. | $169 | — | $169 | 5.14% |
| STEMLER'S INS AGENCY INC3 Filed as: STEMLER'S INS AGENCY | 900 HOWE AVE SUITE 220 SACRAMENTO, CA 95825 | UDC DENTAL OF CALIFORNIA, INC. | $139 | — | $139 | 4.22% |
| GEORGE SCHMIDT4 | 712 NAVARONNE WAY CONCORD, CA 94518 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $410 | — | $410 | 13.95% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 130 | $1.8M |
| Dental | UDC DENTAL OF CALIFORNIA, INC. | 11 | $3K |
| Vision | VISION SERVICE PLAN | 120 | $18K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $155K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $155K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $155K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 130 | $1.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.