| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | SUTTER HEALTH PLAN | $37K | $0 | $37K | 3.30% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | SUTTER HEALTH PLAN | $8K | $0 | $8K | 0.70% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $34K | $0 | $34K | 3.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 1.25% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.22% |
| RELATION INSURANCE SERVICES OF CA3 | 520 CAPITOL MALL, SUITE 500 SACRAMENTO, CA 95814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $758 | $758 | 0.98% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | AFLAC | $1K | $0 | $1K | 4.84% |
| MARJORIE B. YACOPETTI3 | PO BOX 2152 LODI, CA 95241 | AFLAC | $844 | $0 | $844 | 3.86% |
| LAURALYNE BOONE3 | 4353 DAFFODIL WAY LIVERMORE, CA 94551 | AFLAC | $327 | $0 | $327 | 1.49% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $207 | $0 | $207 | 0.95% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DRIVE ROCKLIN, CA 95677 | AFLAC | $204 | $0 | $204 | 0.93% |
| ROMAN THOMAS SORIA3 | 2346 WEST TURNER ROAD LODI, CA 95242 | AFLAC | $11 | $0 | $11 | 0.05% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $532 | $0 | $532 | 2.72% |
| RELATION INSURANCE SERVICES OF CA3 | 2290 HUNTINGTON DRIVE, SUITE 200 SAN MARINO, CA 91108 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 12.69% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | PREMIER ACCESS INSURANCE COMPANY | $693 | $0 | $693 | 4.59% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 143 | $2.0M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 336 | $15K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $77K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $77K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 143 | $2.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.