| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: DOHRMANN, AN ALERA GROUP INS. AGCY | PO BOX 7956 STOCKTON, CA 95267 | AETNA HEALTH, INC. | $41K | $0 | $41K | 4.93% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN, AN ALERA GROUP INS. AGCY | PO BOX 7956 STOCKTON, CA 95267 | AETNA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 5.01% |
| BETH A. GRIFFIN3 | 9102 EAST LATHROP ROAD MANTECA, CA 95336 | AFLAC | $8K | $367 | $8K | 10.93% |
| LANCE WALUSKO3 | 3903 STORY ROAD DENAIR, CA 95316 | AFLAC | $2K | $80 | $2K | 2.42% |
| BARRY A WHITE3 Filed as: BARRY A. WHITE AND OTHER AGENTS | 1899 WINDING WAY LINCOLN, CA 95648 | AFLAC | $1K | $0 | $1K | 2.04% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DRIVE ROCKLIN, CA 95677 | AFLAC | $866 | $80 | $946 | 1.29% |
| SHIRLEY A. MILLIGAN3 | 19690 NORTH HIGHWAY 99, UNIT 28 ACAMPO, CA 95220 | AFLAC | $759 | $0 | $759 | 1.03% |
| RHONDA NEWMAN3 | 432 SEVERIN AVENUE MODESTO, CA 95354 | AFLAC | $265 | $63 | $328 | 0.45% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $206 | $0 | $206 | 0.28% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN, AN ALERA GROUP INS. AGCY | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.24% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $141 | $141 | 0.25% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 61 | $821K |
| Dental | AETNA LIFE INSURANCE COMPANY | 112 | $470K |
| Vision | AETNA LIFE INSURANCE COMPANY | 112 | $470K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $58K |
| Prescription drug | AETNA HEALTH, INC. | 61 | $821K |
| Other(2 contracts, 2 carriers) | AFLAC | 116 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.