| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL M. SACHS3 | 1024 WEST ROBINHOOD DRIVE SUITE 6 STOCKTON, CA 95207 | UNITEDHEALTHCARE INSURANCE COMPANY | $130K | $0 | $130K | 4.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $16K | $47K | 1.49% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING COMPANY | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $0 | $30K | 0.94% |
| PAUL M. SACHS3 Filed as: PAUL MARK SACHS | 1024 WEST ROBINHOOD DRIVE, SUITE 6 STOCKTON, CA 95207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.49% |
| JAMES L. NOREEN3 | 7184 DALEE ROAD VALLEY SPRINGS, CA 95252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | $0 | $346 | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 2021 WEST MARCH LANE, SUITE 3 STOCKTON, CA 95207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.05% |
| PAUL M. SACHS3 Filed as: PAUL SACHS | 1024 WEST ROBINHOOD DRIVE, SUITE 6 STOCKTON, CA 95207 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.62% |
| PAUL M. SACHS3 | 1024 WEST ROBINHOOD DRIVE, SUITE 6 STOCKTON, CA 95207 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $598 | $0 | $598 | 3.31% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 720 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 720 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 720 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 349 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $18K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 720 | $3.2M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 349 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.