| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP-NATIONAL ACCOUNT SERVICES, INC. | 7272 EAST INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $22K | $22K | 32.75% |
| PAULINE M. SIMPSON3 | 2726 TAMARISK AVENUE STOCKTON, CA 95207 | AFLAC | $2K | — | $2K | 14.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2021 WEST MARCH LANE STOCKTON, CA 95207 | AFLAC | $2K | — | $2K | 11.10% |
| GUSTAVO ARRIAGA II3 | 5713 NORTH PERSHING AVENUE SUITE C4 STOCKTON, CA 95207 | AFLAC | $837 | — | $837 | 4.96% |
| ANA PATRICIA ARRIAGA3 | 1509 WEST YOSEMITE AVENUE, SUITE 41 MANTECA, CA 95337 | AFLAC | $605 | — | $605 | 3.59% |
| NEAL E. DAILY3 | 1852 WEST 11TH STREET, SUITE 310 TRACY, CA 95376 | AFLAC | $496 | — | $496 | 2.94% |
| JEANNETTE YVONNE DURRANI3 Filed as: JEANNETTE DURRANI AND OTHER AGENTS | 6851 ALMOND AVENUE ORANGEVALE, CA 95662 | AFLAC | $232 | — | $232 | 1.38% |
| JULIE ATKINS3 | 165 GRAMERCY DRIVE SAN MATEO, CA 94402 | AFLAC | $53 | — | $53 | 0.31% |
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 | 1,750 | 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) | 1,750 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 2,317 | $12.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 222 | $39K |
| Vision | VISION SERVICE PLAN | 1,667 | $294K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,750 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,750 | $66K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 2,317 | $12.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,750 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,317 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.