| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2021 WEST MARCH LANE, 3RD FLOOR STOCKTON, CA 95207 | SUTTER HEALTH PLAN | $24K | $0 | $24K | 2.15% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | SUTTER HEALTH PLAN | $21K | $0 | $21K | 1.85% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $41K | $0 | $41K | 4.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $2K | $2K | 0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.16% |
| MARJORIE B. YACOPETTI3 | PO BOX 2152 LODI, CA 95241 | AFLAC | $5K | $11 | $5K | 19.00% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | AFLAC | $5K | $0 | $5K | 18.96% |
| LAURALYNE BOONE3 | 8641 MACKEY ROAD ELK GROVE, CA 95624 | AFLAC | $2K | $0 | $2K | 8.83% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $2K | $0 | $2K | 5.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 12.16% |
| USI INSURANCE SERVICES LLC3 | 2025 WEST MARCH LANE, SUITE 5 STOCKTON, CA 95207 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 5.14% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 173 | $2.1M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 461 | $22K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 236 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $73K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 173 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.