| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOLETTI INSURANCE SERVICES3 | 520 MARIA DRIVE PETALUMA, CA 94954 | HEALTH NET | $56K | $0 | $56K | 2.61% |
| YOLANDA ALCALA3 | 809 CLIFFHAVEN COURT PETALUMA, CA 94954 | HEALTH NET | $52K | $0 | $52K | 2.40% |
| ANN LORENE FOLETTI3 Filed as: ANN L FOLETTI | 520 MARIA DRIVE PETALUMA, CA 94954 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.59% |
| ANN LORENE FOLETTI3 | 520 MARIA DRIVE PETALUMA, CA 94954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ANN LORENE FOLETTI3 | 520 MARIA DRIVE PETALUMA, CA 94954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| ANN LORENE FOLETTI3 Filed as: ANN L FOLETTI | 520 MARIA DRIVE PETALUMA, CA 94954 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 31.29% |
| YOLANDA ALCALA3 | 809 CLIFF HAVEN CT. PETALUMA, CA 94954 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.80% |
| ANN LORENE FOLETTI3 Filed as: ANN FOLETTI | 520 MARIA DRIVE PETALUMA, CA 94954 | VISION SERVICE PLAN | $643 | $0 | $643 | 6.06% |
| YOLANDA ALCALA3 | 809 CLIFFHAVEN COURT PETALUMA, CA 94954 | VISION SERVICE PLAN | $462 | $0 | $462 | 4.35% |
| ANN LORENE FOLETTI3 | 520 MARIA DRIVE PETALUMA, CA 94954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| ANN LORENE FOLETTI3 | 520 MARIA DRIVE PETALUMA, CA 94954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 120 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $18K |
| Vision | VISION SERVICE PLAN | 134 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $32K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $26K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.