| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $12K | $0 | $12K | 2.92% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY, INC. | PO BOX 7956 STOCKTON, CA 95267 | BLUE CROSS OF CALIFORNIA | $4K | $0 | $4K | 1.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 3247 WEST MARCH LANE SUITE 210 STOCKTON, CA 95219 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 4.38% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY, INC. | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | AMERITAS LIFE INSURANCE CORPORATION | $915 | $0 | $915 | 1.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $940 | $0 | $940 | 10.99% |
| DOHRMANN INSURANCE AGENCY3 Filed as: DOHRMANN INSURANCE AGENCY, INC. | PO BOX 7956 STOCKTON, CA 95267 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113 | $0 | $113 | 1.32% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $189 | $0 | $189 | 4.01% |
| DAVID B. KITCHEN3 | 1260 NORTH DORTHEA COURT SANTA ROSA, CA 95401 | AFLAC | $108 | $0 | $108 | 2.29% |
| PETER JAMES SARANTIS3 | 1007 DORTHEA COURT FREDERICKSBURG, VA 22401 | AFLAC | $28 | $0 | $28 | 0.59% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BOULEVARD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $23 | $0 | $23 | 0.49% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $21 | $0 | $21 | 0.45% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 7403 SESAME STREET COLUMBUS, GA 31909 | AFLAC | $6 | $0 | $6 | 0.13% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 1160 GREEN VALLEY ROAD FAIRFIELD, CA 94531 | AFLAC | $6 | $0 | $6 | 0.13% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVENUE, 2ND FLOOR BRONX, NY 10465 | AFLAC | $94 | $0 | $94 | 4.65% |
| ALAINE S. VANNESS3 | 1217 S SCHOOL STREET LODI, CA 95240 | AFLAC | $40 | $0 | $40 | 1.98% |
| PERRY E MEDINA3 Filed as: PERRY E. MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $22 | $0 | $22 | 1.09% |
| MICHELLE SANTIAGO3 | 1332 KEARNEY AVENUE APARTMENT 2 BRONX, NY 10465 | AFLAC | $11 | $0 | $11 | 0.54% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD, SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $7 | $0 | $7 | 0.35% |
| MELISA SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AFLAC | $1 | $0 | $1 | 0.05% |
| WENDY CALIENDO3 Filed as: WENDY M. CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $1 | $0 | $1 | 0.05% |
| MELISA SCHOFIELD3 | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $1 | $0 | $1 | 0.05% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 106 | $423K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 160 | $56K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 160 | $56K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $9K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 106 | $423K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.