| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $3K | $3K | 0.21% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | MODA HEALTH | $4K | $0 | $4K | 2.76% |
| LOCKTON COMPANIES, LLC3 | 400 CAPITAL MALL, SUITE 2600 SACRAMENTO, CA 95814 | MODA HEALTH | $3K | $0 | $3K | 2.24% |
| CHRISTINA D VINCENT3 Filed as: CHRISTINA D. VINCENT | 10809 GOLDSBOROUGH CIRCLE OAKDALE, CA 95361 | AFLAC | $2K | $106 | $2K | 3.39% |
| HENRY DUNN INC3 Filed as: HENRY J. IRELAND | 5225 PENTECOST DRIVE, SUITE 24 MODESTO, CA 95356 | AFLAC | $2K | $13 | $2K | 3.04% |
| MJ INSURANCE3 Filed as: MAYRA CUARENTA AND VARIOUS AGENTS | 620 EDGEBROOK COURT MODESTO, CA 95354 | AFLAC | $2K | $126 | $2K | 2.93% |
| MELODY B THOMPSON3 Filed as: MELODY P. IRELAND | 5225 PENTECOST DRIVE, SUITE 24 MODESTO, CA 95356 | AFLAC | $1K | $19 | $1K | 1.99% |
| JEWEL LOPEZ3 Filed as: JEWEL L. LOPEZ | 1330 COOPER AVENUE TURLOCK, CA 95380 | AFLAC | $602 | $0 | $602 | 0.89% |
| BRUCE W. COUGHLIN3 | 7005 DEL RIO DRIVE MODESTO, CA 95356 | AFLAC | $522 | $0 | $522 | 0.77% |
| ROBERT E PONCINI3 | 3509 COFFEE ROAD, SUITE D20 MODESTO, CA 95355 | AFLAC | $338 | $0 | $338 | 0.50% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 386 | $1.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $30K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $30K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 386 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 172 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.