| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | $0 | $30K | 4.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 12.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| ROSALIE KAY PARKS3 | 136 MARK WEST STATION ROAD WINDSOR, CA 95492 | AFLAC | $315 | $0 | $315 | 3.19% |
| MICHAEL J. MCVAY3 | 8967 CREST VIEW DRIVE CORONA, CA 92883 | AFLAC | $291 | $0 | $291 | 2.95% |
| LAURA RUNYEON3 Filed as: LAURA J. RUNYEON AND OTHER AGENTS | 2042 WEATHERBY WAY PETALUMA, CA 94954 | AFLAC | $196 | $0 | $196 | 1.99% |
| MARK C. HUBER3 | 1100 COLD SPRINGS ROAD PLACERVILLE, CA 95667 | AFLAC | $94 | $0 | $94 | 0.95% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DRIVE SANTA ROSA, CA 95403 | AFLAC | $90 | $0 | $90 | 0.91% |
| JON P BATES JR3 Filed as: JON P. BATES JR. | 440 REGENTS PARK DRIVE VALLEJO, CA 94591 | AFLAC | $41 | $0 | $41 | 0.42% |
| DAVID B. KITCHEN3 | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $37 | $0 | $37 | 0.37% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI & ASSOCIATES, INC. | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $74 | $0 | $74 | 2.28% |
| ANGELA MONTENEGRO3 | 74 HILLANDALE DRIVE NEW ROCHELLE, NY 10804 | AFLAC | $58 | $0 | $58 | 1.79% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $34 | $0 | $34 | 1.05% |
| MARY RUSK3 | 230 EAST 71ST STREET, APARTMENT 1C NEW YORK, NY 10021 | AFLAC | $28 | $0 | $28 | 0.86% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 0.52% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $15 | $0 | $15 | 0.46% |
| BRIAN WHITE Filed as: BRIAN WHITE AND OTHER AGENT | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $5 | $0 | $5 | 0.15% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 69 | $669K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $87K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $87K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 69 | $669K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.