| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITEDHEALTHCARE INSURANCE COMPANY | $106K | $14K | $120K | 5.24% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET SUITE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $12K | $35K | 1.53% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNIMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.59% |
| MICHAEL COLLINS MCNERLIN3 | PO BOX 61 UKIAH, CA 95482 | AFLAC | $1K | $0 | $1K | 6.91% |
| PAUL F. MCNERLIN3 | PO BOX 353 UKIAH, CA 95482 | AFLAC | $474 | $0 | $474 | 2.93% |
| MJ INSURANCE3 Filed as: JON ERIC ILLG AND VARIOUS AGENTS | PO BOX 100 ONTARIO, CA 91762 | AFLAC | $367 | $0 | $367 | 2.27% |
| ASSUREDPARTNERS3 Filed as: JASON V. SHEPHERD | PO BOX 1452 UKIAH, CA 95482 | AFLAC | $232 | $0 | $232 | 1.43% |
| JERRY PATRICK ROCK3 | 1320 NORTH STREET, APARTMENT 27 SANTA ROSA, CA 95404 | AFLAC | $157 | $0 | $157 | 0.97% |
| ALEJANDRO JOSE LOPEZ3 | 757 LAKE MENDOCINO DRIVE UKIAH, CA 95482 | AFLAC | $116 | $0 | $116 | 0.72% |
| RONDA MATHEW3 | 2030 13TH STREET, APARTMENT 3 SACRAMENTO, CA 95818 | AFLAC | $105 | $0 | $105 | 0.65% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $2.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $2.3M |
| Life insurance | UNIMERICA LIFE INSURANCE COMPANY | 242 | $30K |
| Short-term disability | AFLAC | 23 | $16K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $2.3M |
| Other(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE COMPANY | 242 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.