| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $31K | $31K | 10.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 5.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 6.79% |
| NEAL E. DAILY3 Filed as: NEAL E. DAILY AND OTHER AGENTS | 1852 WEST 11TH TRACY, CA 95376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.07% |
| PAULINE M. SIMPSON3 | 3546 BEN LANE STOCKTON, CA 95206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.46% |
| ROMAN THOMAS SORIA3 | 1718 SYLVAN WAY, APARTMENT 808 LODI, CA 95242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.09% |
| GUSTAVO ARRIAGA II3 Filed as: GUSTAVO ARRIAGA, II | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.82% |
| PETER JAMES SARANTIS3 Filed as: PETER J. SARANTIS | 1100 CORPORATE WAY, SUITE 100 FREDERICKSBIRG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.70% |
| BETH A. HESTER3 | 1143 CHAMPAGNE LANE MATECA, CA 95337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $993 | $0 | $993 | 0.61% |
| USI INSURANCE SERVICES LLC3 | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | AFLAC | $3K | $0 | $3K | 4.60% |
| ROMAN THOMAS SORIA3 Filed as: ROMAN SORIA AND OTHER AGENTS | 2346 WEST TURNER ROAD LODI, CA 95242 | AFLAC | $2K | $89 | $3K | 4.27% |
| PAULINE M. SIMPSON3 Filed as: PAULINE SIMPSON | 2726 TAMARISK AVENUE STOCKTON, CA 95207 | AFLAC | $953 | $96 | $1K | 1.76% |
| BETH A. HESTER3 | 1143 CHAMPAGNE LANE MATECA, CA 95337 | AFLAC | $756 | $13 | $769 | 1.29% |
| GUSTAVO ARRIAGA II3 Filed as: GUSTAVO ARRIAGA, II | 5237 NORTH RIVERSIDE DRIVE SUITE 207 FORT WORTH, TX 76137 | AFLAC | $665 | $0 | $665 | 1.12% |
| NEAL E. DAILY3 | 1852 WEST 11TH TRACY, CA 95376 | AFLAC | $443 | $0 | $443 | 0.74% |
| ANA ARRIAGA3 | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | AFLAC | $299 | $0 | $299 | 0.50% |
| USI INSURANCE SERVICES LLC4 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 6.27% |
| MARK MCDONALD4 Filed as: MARK D. MCDONALD | 1365 SEACOAST DRIVE IMPERIAL BEACH, CA 91932 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $693 | $0 | $693 | 3.58% |
| RYAN C ELLISON4 Filed as: RYAN C. ELLISON AND OTHER AGENTS | 255 NORTH 200 EAST PLEASANT GROVE, UT 84062 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $158 | $0 | $158 | 0.82% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $130 | $0 | $130 | 0.67% |
| LISA L BASS3 Filed as: LISA L. BASS | 1969 LITTLE MOUNTAIN ROAD ALEXIS, NC 28006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $122 | $0 | $122 | 0.63% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP, INC | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 89081 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $109 | $0 | $109 | 0.56% |
| THE SAMSON GROUP4 | 18 GREENGATE COURT SANTA ROSA, CA 95409 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $76 | $0 | $76 | 0.39% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,673 | $285K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 418 | $222K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,673 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,673 | — |
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.
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.