| 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 | $33K | $5K | $39K | 3.83% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $46K | $0 | $46K | 6.32% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $1K | $1K | 0.16% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.69% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $164 | $0 | $164 | 3.12% |
| LOUIS CHANDLER CASTLEBERRY3 | 1150 VILLAGE WAY SEBASTOPOL, CA 95472 | AFLAC | $91 | $0 | $91 | 1.73% |
| MJ INSURANCE3 Filed as: JAMES S. SARANTIS & VARIOUS AGENTS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $61 | $0 | $61 | 1.16% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL COURT DANVILLE, CA 94506 | AFLAC | $39 | $0 | $39 | 0.74% |
| MARK C. HUBER3 | 4164 LEISURE LANE PLACERVILLE, CA 95667 | AFLAC | $25 | $0 | $25 | 0.48% |
| TALLY RHOADES3 Filed as: TALLY L. RHOADES | 32 SOLAR DRIVE PUEBLO, CO 81005 | AFLAC | $16 | $0 | $16 | 0.30% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $15 | $0 | $15 | 0.29% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 181 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $60K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 181 | $1.7M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.