| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS OF CALIFORNIA | $45K | $0 | $45K | 3.09% |
| SSM INSURANCE SERVICES, INC.3 Filed as: SSM INSURANCE SERVICES INC. | PO BOX 750004 PETALUMA, CA 94975 | BLUE CROSS OF CALIFORNIA | -$16 | $0 | -$16 | -0.00% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 2.28% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $521 | $521 | 0.70% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $241 | $59 | $300 | 4.40% |
| LOUIS CHANDLER CASTLEBERRY3 | 1150 VILLAGE WAY SEBASTOPOL, CA 95472 | AFLAC | $139 | $26 | $165 | 2.42% |
| MJ INSURANCE3 Filed as: MARK C. HUBER AND VARIOUS AGENTS | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $77 | $26 | $103 | 1.51% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL COURT DANVILLE, CA 94506 | AFLAC | $52 | $0 | $52 | 0.76% |
| SONOMA INS SALES & MKTG CORP3 Filed as: SONOMA INSURANCE SALES & MARKETING | 1821 HAPPY VALLEY ROAD SANTA ROSA, CA 95409 | AFLAC | $34 | $0 | $34 | 0.50% |
| MARK C. HUBER3 | 4164 LEISURE LANE PLACERVILLE, CA 95667 | AFLAC | $29 | $0 | $29 | 0.43% |
| TALLY RHOADES3 Filed as: TALLY L. RHOADES | 32 SOLAR DRIVE PUEBLO, CO 81005 | AFLAC | $23 | $0 | $23 | 0.34% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 129 | $2.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $75K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $75K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 129 | $2.2M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.