| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS KUNTZ3 Filed as: THOMAS E. KUNTZ | UNKNOWN SAINT HELENA, CA 94574 | CALIFORNIA CHOICE | $45K | $0 | $45K | 5.01% |
| THOMAS KUNTZ3 Filed as: THOMAS E. KUNTZ | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | ANTHEM BLUE CROSS | $6K | $0 | $6K | 6.86% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DRIVE NAPA, CA 94558 | AFLAC | $470 | $0 | $470 | 14.58% |
| SAHAR QABAZARD3 | 443 SOUTH MAPLE DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $64 | $0 | $64 | 1.99% |
| THOMAS ERIC KUNTZ3 | 1635 MADRONA AVENUE SAINT HELENA, CA 94574 | AFLAC | $30 | $0 | $30 | 0.93% |
| LOUIS CHANDLER CASTLEBERRY3 | 1150 VILLAGE WAY SEBASTOPOL, CA 95472 | AFLAC | $22 | $0 | $22 | 0.68% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $20 | $0 | $20 | 0.62% |
| DAVID B. KITCHEN3 | 5230 HARTER LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $2 | $0 | $2 | 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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 142 | $974K |
| Vision | VISION SERVICE PLAN | 128 | $17K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 142 | $974K |
| Other(2 contracts, 2 carriers) | COMPSYCH | 422 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.