| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SSM INSURANCE SERVICES, INC.3 | 7200 REDWOOD BOULEVARD, SUITE 400 NOVATO, CA 94945 | BLUE CROSS OF CALIFORNIA | $35K | $0 | $35K | 2.52% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.24% |
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 2.90% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.60% |
| SONOMA INS. SALES AND MARKETING3 | 1821 HAPPY VALLEY ROAD SANTA ROSA, CA 95409 | AFLAC | $851 | $0 | $851 | 8.41% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $718 | $38 | $756 | 7.47% |
| LOUIS CHANGLER CASTLEBERRY3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $471 | $8 | $479 | 4.74% |
| JONATHAN GUERRERO-URIBE3 | 922 BOND PLACE WINDSOR, CA 95492 | AFLAC | $456 | $0 | $456 | 4.51% |
| MARK C. HUBER3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $276 | $0 | $276 | 2.73% |
| TALLY RHOADES3 Filed as: TALLY L RHOADES AND VARIOUS | 32 SOLAR DRIVE PUEBLO, CO 81005 | AFLAC | $99 | $8 | $107 | 1.06% |
| SAHAR QABAZARD3 | 541 ARTOLA STREET LAS VEGAS, NV 81005 | AFLAC | $63 | $0 | $63 | 0.62% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 148 | $2.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $32K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 148 | $2.1M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 172 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
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.