| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY, INC. | PO BOX 7956 STOCKTON, CA 95267 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 7.00% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY, INC. | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 6.00% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY, INC. | PO BOX 7956 STOCKTON, CA 95267 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.72% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $224 | — | $224 | 4.02% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $128 | — | $128 | 2.30% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BOULEVARD, SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $60 | — | $60 | 1.08% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SVCS., , INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $25 | — | $25 | 0.45% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 7403 SESAME STREET COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 2818 ROCKVILLE ROAD FAIRFIELD, CA 94534 | AFLAC | $2 | — | $2 | 0.04% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVENUE, 2ND FLOOR BRONX, NY 10465 | AFLAC | $153 | — | $153 | 4.62% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $65 | — | $65 | 1.96% |
| PERRY E MEDINA3 Filed as: PERRY E. MEDINA | 33 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $35 | — | $35 | 1.06% |
| MICHELLE SANTIAGO3 | 1332 KEARNEY AVENUE APARTMENT 2 BRONX, NY 10465 | AFLAC | $18 | — | $18 | 0.54% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 580 WHTE PLAINS ROAD, SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $11 | — | $11 | 0.33% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $1 | — | $1 | 0.03% |
| WENDY CALIENDO3 Filed as: WENDY M. CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $1 | — | $1 | 0.03% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $433K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 118 | $48K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 118 | $48K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $8K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $433K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.