| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | BLUE CROSS OF CALIFORNIA | $36K | $0 | $36K | 4.11% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARK LANE, SUITE 210 STOCKTON, CA 95219 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $124 | $124 | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $548 | $2K | 16.99% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $207 | $0 | $207 | 4.12% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $118 | $0 | $118 | 2.35% |
| PETER JAMES SARANTIS3 | 26200 TOWN CENTER DRIVE SUITE 110 NOVI, MI 48375 | AFLAC | $56 | $0 | $56 | 1.11% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEISEN INSURANCE SERVICES, INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $23 | $0 | $23 | 0.46% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 305 10TH STREET SACRAMENTO, CA 95814 | AFLAC | $6 | $0 | $6 | 0.12% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $6 | $0 | $6 | 0.12% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVENUE, 2ND FLOOR BRONX, NY 10465 | AFLAC | $73 | $0 | $73 | 4.64% |
| ALAINE S. VANNESS3 | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $30 | $0 | $30 | 1.91% |
| PERRY E MEDINA3 Filed as: PERRY E. MEDINA | 30 DOROTHY DRIVE MONROE, NY 10950 | AFLAC | $17 | $0 | $17 | 1.08% |
| MICHELLE SANTIAGO3 | 1332 KEARNEY AVENUE APARTMENT 2 BRONX, NY 10465 | AFLAC | $9 | $0 | $9 | 0.57% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $5 | $0 | $5 | 0.32% |
| MELISA SCHOFIELD3 | 11620 NORTH 39TH STREET PHOENIX, CT 85028 | AFLAC | $2 | $0 | $2 | 0.13% |
| WENDY CALIENDO3 Filed as: WENDY M. CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $1 | $0 | $1 | 0.06% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 143 | $887K |
| Dental | BLUE CROSS OF CALIFORNIA | 143 | $887K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 71 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $11K |
| Short-term disability(2 contracts) | AFLAC | 4 | $7K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 143 | $887K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.