| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC. | — | $4K | $4K | 0.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 941042215 | KAISER FOUNDATION HEALTH PLAN INC. | — | $886 | $886 | 0.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | MODA HEALTH | $8K | — | $8K | 5.00% |
| CHRISTINA D VINCENT3 | 10809 GOLDSBOROUGH CIR OAKDALE, CA 95361 | AFLAC | $4K | $192 | $5K | 5.66% |
| HENRY DUNN INC3 Filed as: HENRY J IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $2K | — | $2K | 2.42% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $1K | $34 | $2K | 1.89% |
| JEWELL L LOPEZ3 | 1330 COOPER AVE TURLOCK, CA 95380 | AFLAC | $1K | $57 | $1K | 1.43% |
| SANDRA L. GIRARD3 Filed as: SANDRA L GIRARD | 1116 SONORA AVE MANTECA, CA 95337 | AFLAC | $983 | $57 | $1K | 1.30% |
| BRUCE W. COUGHLIN3 Filed as: BRUCE W COUGHLIN | 7005 DEL RIO DR MODESTO, CA 95356 | AFLAC | $521 | — | $521 | 0.65% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $454 | — | $454 | 0.57% |
| ROBERT E PONCINI3 | 390 ROMANO WAY OAKDALE, CA 95361 | AFLAC | $301 | — | $301 | 0.38% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $270 | — | $270 | 0.34% |
| SERAPIO M. NAMBO3 Filed as: SERAPIO M NAMBO | 2175 57TH AVE SACRAMENTO, CA 95822 | AFLAC | $190 | $57 | $247 | 0.31% |
| MAYRA CUARENTA3 Filed as: MAYRA M CUARENTA | 620 EDGEBROOK CT MODESTO, CA 95354 | AFLAC | $194 | — | $194 | 0.24% |
| WALTER O. PECCORINI3 Filed as: WALTER O PECCORINI | 708 W SWAIN RD STOCKTON, CA 95207 | AFLAC | $137 | — | $137 | 0.17% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $98 | — | $98 | 0.12% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAN WAY ELK GROVE, CA 95758 | AFLAC | $96 | — | $96 | 0.12% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $52 | — | $52 | 0.07% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $49 | — | $49 | 0.06% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $38 | — | $38 | 0.05% |
| JEANNETTE YVONNE DURRANI3 | 11 S CENTRAL AVE APT 1603 PHOENIX, AZ 85004 | AFLAC | $38 | — | $38 | 0.05% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95358 | AFLAC | $38 | — | $38 | 0.05% |
| NATALIYA MILES3 Filed as: NATALIYA G MILES | 5225 PENTECOST DR STE 20 MODESTO, CA 95356 | AFLAC | $22 | — | $22 | 0.03% |
| BRENDA MALDONADO3 Filed as: BRENDA R MALDONADO | 1916 ST AUGUSTINE CT MODESTO, CA 95358 | AFLAC | $22 | — | $22 | 0.03% |
| ZACHARY W TURNER3 | 3404 MONTCLAIR CIR MODESTO, CA 95350 | AFLAC | $21 | — | $21 | 0.03% |
| JOHN PAUL WARNKE3 | 3401 PEGER RD STE A FAIRBANKS, AK 99709 | AFLAC | $21 | — | $21 | 0.03% |
| LINDA BAILEY3 Filed as: LINDA G BAILEY | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $19 | — | $19 | 0.02% |
| RICARDO SEMERIA3 Filed as: RICARDO E SEMERIA | 1828 MILPAS LN MODESTO, CA 95355 | AFLAC | $18 | — | $18 | 0.02% |
| GUILLERMO H PALOMINO3 | 2319 E EDNA AVE PHOENIX, AZ 85022 | AFLAC | $13 | — | $13 | 0.02% |
| PETER T ARNOLD3 | 12199 SILVER SPRINGS PL GRASS VALLEY, CA 95949 | AFLAC | $12 | — | $12 | 0.02% |
| WILLIAM B STAPP3 | 1672 MIDLAND ST NORTH POLE, AK 99705 | AFLAC | $11 | — | $11 | 0.01% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LN CHICO, CA 95928 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 6643 RM 2187 RD SEALY, TX 77474 | AFLAC | $11 | — | $11 | 0.01% |
| DAVID L KUNTZMAN3 | 2212 W STATE ST BOX 266 ALLIANCE, OH 44601 | AFLAC | $10 | — | $10 | 0.01% |
| LISA M HUTCHERSON3 | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $10 | — | $10 | 0.01% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LN SACRAMENTO, CA 95814 | AFLAC | $9 | — | $9 | 0.01% |
| CHERI AGUIRRE3 Filed as: CHERI R AGUIRRE | 21787 S OLIVE AVE RIPON, CA 95366 | AFLAC | $9 | — | $9 | 0.01% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DR DANVILLE, CA 94526 | AFLAC | $8 | — | $8 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 3247 W MARCH LN STE 210 STOCKTON, CA 95350 | AFLAC | $7 | — | $7 | 0.01% |
| MARK DWIGHT TAYLOR3 | 1424 CITRUS DR MODESTO, CA 95350 | AFLAC | $7 | — | $7 | 0.01% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $6 | — | $6 | 0.01% |
| EDWARD M RYSKA3 | 6010 ROBLAR RD PETALUMA, CA 94952 | AFLAC | $6 | — | $6 | 0.01% |
| RONNIE N FURMAN3 Filed as: RONNIE E FURMAN | 3025 N 26TH ST FORT SMITH, AR 72904 | AFLAC | $5 | — | $5 | 0.01% |
| NEAL E. DAILY3 Filed as: NEAL E DAILY | 1852 W 11TH ST 310 TRACY, CA 95376 | AFLAC | $4 | — | $4 | 0.01% |
| SYLVIA AMPER3 | PO BOX 577045 MODESTO, CA 95357 | AFLAC | $4 | — | $4 | 0.01% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $3 | — | $3 | 0.00% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $2 | — | $2 | 0.00% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | — | $1 | 0.00% |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $1 | — | $1 | 0.00% |
| SHAUNNA FERRENBURG3 | 1809 W 104TH AVE ANCHORAGE, AK 99519 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS WIANDT3 Filed as: NICHOLAS A WIANDT | PO BOX 196530 ANCHORAGE, AK 99519 | AFLAC | $1 | — | $1 | 0.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 357 | $1.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $15K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $15K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 357 | $1.7M |
| Other(2 contracts, 2 carriers) | AFLAC | 184 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.