| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULINE M. SIMPSON3 Filed as: PAULINE MAUD SIMPSON | 3546 BEN LANE STOCKTON, CA 95206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 8.25% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 8.19% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 7.72% |
| PETER JAMES SARANTIS3 | 5073 PYRAMID WAY SUISUN CITY, CA 94585 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 3.12% |
| MJ INSURANCE3 Filed as: ANA P. ARRIAGA AND VARIOUS AGENTS | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.68% |
| LANCE WALUSKO3 | 3900 LENNANE DRIVE, SUITE 200 SACRAMENTO, CA 95834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.61% |
| ROMAN THOMAS SORIA3 | 1718 SYLVAN WAY, SUITE 808 LODI, CA 95242 | CONTINENTAL AMERICAN INSURANCE COMPANY | $851 | $0 | $851 | 0.34% |
| 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 | 16.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $20K | $25K | 13.36% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.52% |
| MARK MCDONALD4 Filed as: MARK D. MCDONALD | 1685 ORO VISTA ROAD, SUITE 173 SAN DIEGO, CA 92154 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 20.27% |
| USI INSURANCE SERVICES LLC4 | 3247 WEST MARCH LANE STOCKTON, CA 95219 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 4.82% |
| MJ INSURANCE4 Filed as: LISA L. BASS AND VARIOUS AGENTS | 1969 LITTLE MOUNTAIN ROAD ALEXIS, NC 28006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $112 | $0 | $112 | 0.43% |
| LOCKTON COMPANIES, LLC4 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $111 | $0 | $111 | 0.42% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $54 | $0 | $54 | 0.21% |
| THE SAMSON GROUP4 | 18 GREENGATE COURT SANTA ROSA, CA 95409 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $51 | $0 | $51 | 0.19% |
| RYAN C ELLISON4 Filed as: RYAN C. ELLISON | 1322 WEST 560 SOUTH SAINT GEORGE, UT 84770 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $46 | $0 | $46 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 2800 WEST MARCH LANE, SUITE 100 STOCKTON, CA 95219 | AFLAC | $260 | $0 | $260 | 4.90% |
| MJ INSURANCE3 Filed as: PETER J SARANTIS AND VARIOUS AGENTS | 5509 SNOWBRUSH DRIVE ROCKLIN, CA 95677 | AFLAC | $249 | $5 | $254 | 4.78% |
| PAULINE M. SIMPSON3 | 752 WEST ALAMEDA STREET MANTECA, CA 95336 | AFLAC | $87 | $1 | $88 | 1.66% |
| BETH A. GRIFFIN3 | 9102 EAST LATHROP ROAD MANTECA, CA 95336 | AFLAC | $76 | $9 | $85 | 1.60% |
| BERNAVE NUNEZ3 | 784 EAST SPRINGFIELD AVENUE REEDLEY, CA 93654 | AFLAC | $57 | $0 | $57 | 1.07% |
| GUSTAVO ARRIAGA II3 | 320 WEST CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $53 | $0 | $53 | 1.00% |
| NEAL E. DAILY3 | 1852 WEST 11TH STREET, SUITE 310 TRACY, CA 95376 | AFLAC | $28 | $0 | $28 | 0.53% |
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 | 1,862 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,894 | $188K |
| Short-term disability | AFLAC | 0 | $5K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,894 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,894 | — |
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.