| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY INC. | P.O. BOX 7956 STOCKTON, CA 95267 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 7.65% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY INC. | 3255 W MARCH LANE STOCKTON, CA 95219 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 6.46% |
| DOHRMANN INSURANCE AGENCY3 | PO BOX 7956 STOCKTON, CA 95267 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $760 | — | $760 | 12.43% |
| ALAINE S. VANNESS3 Filed as: ALAINE S VANNESS | 1217 S SCHOOL STREET LODI, CA 95240 | AFLAC | $172 | — | $172 | 4.01% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 1260 N DUTTON AVE SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $89 | — | $89 | 2.08% |
| PETER JAMES SARANTIS3 | 30 DOROTHY DRIVE2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $46 | — | $46 | 1.07% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD SUITE 140 FOLSOM, CA 95630 | AFLAC | $20 | — | $20 | 0.47% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 1100 CORPORATE WAY SUITE 100 SACRAMENTO, CA 95831 | AFLAC | $10 | — | $10 | 0.23% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $346K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 44 | $38K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 44 | $38K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $6K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.