| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.46% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BENEFITS GROUP LLC | 80 S 8TH ST, STE 700 MINNEAPOLIS, MN 554022105 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.02% |
| DAWN JOHNSON3 Filed as: DAWN M JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $485 | $291 | $776 | 2.82% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $337 | $49 | $386 | 1.40% |
| MARLIN SMITH3 | 70 S LAKE AVE 7TH FLOOR PASADENA, CA 91101 | AFLAC | $337 | — | $337 | 1.22% |
| DORA BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $282 | — | $282 | 1.02% |
| DAVID J MCCLELLAN3 Filed as: DAVID L COOPER II | 608 S SCHUMAKER DR SALISBURY, MD 21804 | AFLAC | $259 | — | $259 | 0.94% |
| WENDY RENARD3 | 24113 FAWN CT NE STACY, MN 55079 | AFLAC | $206 | — | $206 | 0.75% |
| HALTEN MANAGEMENT SVCS (US) LLC3 | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $111 | — | $111 | 0.40% |
| TAYLOR MOOR3 | 6011 VIA SONOMA RANCHO PALOS VERDES, CA 90275 | AFLAC | $108 | — | $108 | 0.39% |
| CHERI LYNN SALOKAR3 | 379 2ND AVE NW FOREST LAKE, MN 55025 | AFLAC | $82 | — | $82 | 0.30% |
| BRANDON K SMITH3 | 235 WAPELLO ST ALTADENA, CA 91001 | AFLAC | $33 | — | $33 | 0.12% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $30 | — | $30 | 0.11% |
| MANUEL A MADRID3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $28 | — | $28 | 0.10% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 199 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 246 | $114K |
| Short-term disability | AFLAC | 20 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 246 | $114K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 246 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.