| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 5.07% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INSURANCE AGENCY | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.71% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $104 | $1K | 10.79% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.08% |
| ALAINE S. VANNESS3 Filed as: ALAINE VANNESS | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $207 | $0 | $207 | 4.66% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 5230 HARTER LANE LA CANADA, CA 91011 | AFLAC | $118 | $0 | $118 | 2.66% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS | 7775 DUTRA BEND DRIVE SACRAMENTO, CA 95831 | AFLAC | $56 | $0 | $56 | 1.26% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $23 | $0 | $23 | 0.52% |
| MICHAEL RHODD3 | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $6 | $0 | $6 | 0.14% |
| AMY LUDWICK3 | 229 MCKAYS POINT PLACE WEST SACRAMENTO, CA 95605 | AFLAC | $6 | $0 | $6 | 0.14% |
| MARITZA SANTIAGO3 | 1330 KEARNEY AVENUE, 10TH FLOOR BRONX, NY 10465 | AFLAC | $80 | $0 | $80 | 4.67% |
| ALAINE S. VANNESS3 Filed as: ALAINE VANNESS | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $34 | $0 | $34 | 1.98% |
| PERRY E MEDINA3 Filed as: PERRY MEDINA | 1128 WASHINGTON GREEN NEW WINDSOR, NY 12553 | AFLAC | $18 | $0 | $18 | 1.05% |
| MICHELLE SANTIAGO3 | 1332 KEARNEY AVENUE APARTMENT 2 BRONX, NY 10465 | AFLAC | $10 | $0 | $10 | 0.58% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $6 | $0 | $6 | 0.35% |
| MELISA SCHOFIELD3 | 910 WEST KATHLEEN ROAD PHOENIX, CT 85023 | AFLAC | $2 | $0 | $2 | 0.12% |
| WENDY CALIENDO3 | 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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.1M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 189 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $11K |
| Short-term disability(2 contracts) | AFLAC | 4 | $6K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 196 | $1.1M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
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.