| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS KUNTZ3 Filed as: THOMAS E. KUNTZ | UNKNOWN SAINT HELENA, CA 94574 | CALIFORNIA CHOICE | $41K | $0 | $41K | 5.00% |
| THOMAS KUNTZ3 | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | BLUE CROSS OF CALIFORNIA | $4K | $0 | $4K | 7.75% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 3.87% |
| THOMAS ERIC KUNTZ3 | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | AFLAC | $42 | $0 | $42 | 1.49% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $31 | $0 | $31 | 1.10% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $31 | $0 | $31 | 1.10% |
| LOUIS CHANDLER CASTLEBERRY3 | 1150 VILLAGE WAY SEBASTOPOL, CA 95472 | AFLAC | $31 | $0 | $31 | 1.10% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 121 | $873K |
| Vision | VISION SERVICE PLAN | 110 | $17K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 121 | $873K |
| Other(2 contracts, 2 carriers) | COMPSYCH | 365 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.