| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEWEL LOPEZ3 Filed as: JEWEL L LOPEZ | 1330 COOPER AVE TURLOCK, CA 95380 | AFLAC | $3K | $58 | $3K | 12.17% |
| LANCE WALUSKO3 | 3903 STORY RD DENAIR, CA 95316 | AFLAC | $518 | $14 | $532 | 2.04% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $293 | $14 | $307 | 1.18% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | AFLAC | $302 | — | $302 | 1.16% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $116 | — | $116 | 0.44% |
| JAMES F SCHLERNITZAUER3 | 1175 GEER RD STE D TURLOCK, CA 95380 | AFLAC | $112 | — | $112 | 0.43% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $89 | — | $89 | 0.34% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE RYAN | 3425 NW 47TH DR CAMAS, WA 98607 | UNTIEDHEALTHCARE INSURANCE COMPANY | $655 | — | $655 | 9.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RYAN D. NEACE EIN 57-3670046 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $29K |
| STAR MARKETING AND ADMINISTRATION EIN 36-3403079 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $19K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS ADMIN | Claims processing Service code 12 | — | $17K |
| ADVANCED MEDICAL PRICING SOLUTION EIN 20-2149357 NONE | Other services; Claims processing Service code 12 | — | $11K |
| ALERA GROUP, INC. EIN 82-4817663 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $8K |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNTIEDHEALTHCARE INSURANCE COMPANY | 136 | $7K |
| Other(2 contracts, 2 carriers) | AFLAC | 136 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.