| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SSM INSURANCE SERVICES, INC.3 | PO BOX 750004 PETALUMA, CA 94975 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $1 | $30K | 3.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | PO BOX 750004 PETELUMA, CA 94975 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 15.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 7.53% |
| RASALIE KAY PARKS3 | 136 MARK WEST STATION ROAD WINDSOR, CA 95492 | AFLAC | $2K | $169 | $2K | 11.46% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DRIVE SANTA ROSA, CA 95403 | AFLAC | $499 | $34 | $533 | 2.68% |
| MICHAEL J. MCVAY3 | 8967 CREST VIEW DRIVE CORONA, CA 92883 | AFLAC | $500 | $0 | $500 | 2.51% |
| MARK C. HUBER3 | 4164 LEISURE LANE PLACERVILLE, CA 95667 | AFLAC | $297 | $0 | $297 | 1.49% |
| DAVID B. KITCHEN3 Filed as: DAVID B. KITCHEN AND OTHER AGENTS | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $297 | $0 | $297 | 1.49% |
| MARK C. HUBER3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $104 | $34 | $138 | 0.69% |
| JON P BATES JR3 Filed as: JON P. BATES, JR. | 440 REGENTS PARK DRIVE VALLEJO, CA 94591 | AFLAC | $66 | $0 | $66 | 0.33% |
| ANGELA MONTENEGRO3 | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $677 | $43 | $720 | 16.67% |
| MARY RUSK3 | 230 EAST 71ST STREET, APARTMENT 1C NEW YORK, NY 10021 | AFLAC | $133 | $43 | $176 | 4.07% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $112 | $14 | $126 | 2.92% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES, INC. | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $74 | $0 | $74 | 1.71% |
| RICHARD PETERSON3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $34 | $0 | $34 | 0.79% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 0.39% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II, INC. AND AGENT | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | $0 | $5 | 0.12% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 76 | $752K |
| Dental(2 contracts) | AFLAC | 238 | $24K |
| Vision(2 contracts) | AFLAC | 238 | $24K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $119K |
| Short-term disability(2 contracts) | AFLAC | 238 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $94K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 76 | $752K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.