| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 5.05% |
| MJ INSURANCE3 Filed as: LAURALYNE BOONE AND VARIOUS AGENTS | 8641 MACKEY ROAD ELK GROVE, CA 95624 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 3.58% |
| PAULINE M. SIMPSON3 | 3546 BEN LANE STOCKTON, CA 95206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.42% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.66% |
| GUSTAVO ARRIAGA II3 | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.66% |
| NEAL E. DAILY3 | 1852 WEST 11TH TRACY, CA 95376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.53% |
| BETH A. HESTER3 | 1143 CHAMPAGNE LANE MANTECA, CA 95337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.51% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | AFLAC | $4K | $0 | $4K | 5.35% |
| MJ INSURANCE3 Filed as: LAURALYNE BOONE AND VARIOUS AGENTS | 8641 MACKEY ROAD ELK GROVE, CA 95624 | AFLAC | $4K | $161 | $4K | 4.78% |
| PAULINE M. SIMPSON3 | 2726 TAMARISK AVENUE STOCKTON, CA 95207 | AFLAC | $2K | $241 | $2K | 2.36% |
| NEAL E. DAILY3 | 1852 WEST 11TH STREET, SUITE 310 TRACY, CA 95376 | AFLAC | $1K | $121 | $1K | 1.63% |
| BETH A. HESTER3 | 1143 CHAMPAGNE LANE MANTECA, CA 95337 | AFLAC | $926 | $79 | $1K | 1.24% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $866 | $82 | $948 | 1.17% |
| GUSTAVO ARRIAGA II3 | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | AFLAC | $935 | $0 | $935 | 1.16% |
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 | 1,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,555 | $193K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,251 | $375K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,555 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,555 | — |
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.