| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2025 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | SUTTER HEALTH PLAN | $45K | $0 | $45K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $57K | $0 | $57K | 6.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $162 | $162 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 14.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MARJORIE B. YACOPETTI3 | PO BOX 2152 LODI, CA 95241 | AFLAC | $1K | $789 | $2K | 8.16% |
| USI INSURANCE SERVICES LLC3 | 2025 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | AFLAC | $2K | $0 | $2K | 5.97% |
| LAURALYNE BOONE3 | 664 ARNETT WAY GALT, CA 95632 | AFLAC | $773 | $184 | $957 | 3.79% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $327 | $184 | $511 | 2.03% |
| ROMAN THOMAS SORIA3 | 2346 WEST TURNER ROAD LODI, VT 95242 | AFLAC | $140 | $0 | $140 | 0.56% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DRIVE SACRAMENTO, CA 95831 | AFLAC | $98 | $0 | $98 | 0.39% |
| USI INSURANCE SERVICES LLC3 | 2025 WEST MARCH LANE, SUITE 5 STOCKTON, CA 95207 | PREMIER ACCESS INSURANCE COMPANY | $3K | $0 | $3K | 18.46% |
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 | 171 | $2.0M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 415 | $17K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 223 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $73K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 171 | $2.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 271 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.