| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 7956 STOCKTON, CA 95267 | AETNA HEALTH, INC. | $37K | — | $37K | 4.60% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN, LLC | PO BOX 7956 STOCKTON, CA 95267 | AETNA HEALTH, INC. | $4K | — | $4K | 0.45% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 7956 STOCKTON, CA 95267 | AETNA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 4.60% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN, LLC | PO BOX 7956 STOCKTON, CA 95267 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.38% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 7956 STOCKTON, CA 95267 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.32% |
| BETH A. GRIFFIN3 | 9102 EAST LATHROP ROAD MANTECA, CA 95336 | AFLAC | $6K | $487 | $6K | 8.69% |
| BARRY A WHITE3 Filed as: BARRY A. WHITE AND OTHER AGENTS | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $1K | $0 | $1K | 2.04% |
| LANCE WALUSKO3 | 3903 STORY ROAD DENAIR, CA 95316 | AFLAC | $1K | $64 | $1K | 1.83% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DRIVE ROCKLIN, CA 95677 | AFLAC | $751 | $64 | $815 | 1.16% |
| SHIRLEY A. MILLIGAN3 | 19690 NORTH HIGHWAY 99 UNIT 28 ACAMPO, CA 95220 | AFLAC | $719 | $0 | $719 | 1.03% |
| PAULINE M. SIMPSON3 | 752 WEST ALAMEDA STREET MANTECA, CA 95336 | AFLAC | $336 | $0 | $336 | 0.48% |
| SUSAN CRUZ3 | 4719 QUAIL LAKES DRIVE SUITE G PMB 491 STOCKTON, CA 95207 | AFLAC | $329 | $0 | $329 | 0.47% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY AN ALERA INS AGCY, LLC | PO BOX 5086 OXNARD, CA 93031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.48% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.09% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 53 | $794K |
| Dental | AETNA LIFE INSURANCE COMPANY | 117 | $631K |
| Vision | AETNA LIFE INSURANCE COMPANY | 117 | $631K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $61K |
| Prescription drug | AETNA HEALTH, INC. | 53 | $794K |
| Other(2 contracts, 2 carriers) | AFLAC | 114 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.