| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 600084036 | VISION SERVICE PLAN | $2K | — | $2K | 2.97% |
| JEWEL LOPEZ3 Filed as: JEWEL L LOPEZ | 1330 COOPER AVE TURLOCK, CA 95380 | AFLAC | $4K | $70 | $4K | 6.23% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $999 | — | $999 | 1.70% |
| GARY GOODWIN3 | 9811 BOAT CLUB DR SNELLING, CA 95369 | AFLAC | $551 | — | $551 | 0.94% |
| BOHANNON INSURANCE AGENCY, INC.3 Filed as: BOHANNON INS AGCY INC | 4317 N STAR WAY #A MODESTO, CA 95356 | AFLAC | $394 | — | $394 | 0.67% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $275 | — | $275 | 0.47% |
| ANA PATRICIA ARRIAGA3 | 1509 W YOSEMITE AVE STE A1 MANTECA, CA 95337 | AFLAC | $223 | $17 | $240 | 0.41% |
| JEREMY AVERY3 | 1231 8TH ST STE 100 MODESTO, CA 95354 | AFLAC | $214 | — | $214 | 0.36% |
| HENRY IRELAND3 Filed as: HENRY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $185 | — | $185 | 0.31% |
| BARRY A WHITE3 | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $174 | — | $174 | 0.30% |
| TONIA L DESILVA3 | 1605 RICE AVE TURLOCK, CA 95382 | AFLAC | $158 | $8 | $166 | 0.28% |
| KANCHAN KALS3 | 20858 BLACK OAK DR PATTERSON, CA 95363 | AFLAC | $143 | $8 | $151 | 0.26% |
| PETER T ARNOLD3 | 12199 SILVER SPRINGS PL GRASS VALLEY, CA 95949 | AFLAC | $126 | — | $126 | 0.21% |
| DOUGLAS E FOX3 | 735 S GARGIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $95 | — | $95 | 0.16% |
| LES HEINSEN INS SERVICES INC3 | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | AFLAC | $89 | — | $89 | 0.15% |
| BRANDON BENNETT3 Filed as: BRANDON CHAD BENNETT | PO BOX 1365 COTTONWOOD, CA 96022 | AFLAC | $34 | — | $34 | 0.06% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BENEFIT & RISK MANAGEMENT SERVICES | 10860 GOLD CENTER DR #100 RANCHO CORDOVA, CA 95670 | AFLAC | $31 | — | $31 | 0.05% |
| FAUSTINO F RODRIGUEZ3 | 3020 BLUEWATER CT SAN JOSE, CA 95148 | AFLAC | $29 | — | $29 | 0.05% |
| VIRGIL LEE WHITE3 | 1123 SOQUEL AVE SANTA CRUZ, CA 95062 | AFLAC | $23 | — | $23 | 0.04% |
| DEANNA L SEVERN3 | 860 KNAPP ST YREKA, CA 96097 | AFLAC | $22 | — | $22 | 0.04% |
| THEODORE J CRANE3 | 2621 PRESCOTT RD SPC 250 MODESTO, CA 95350 | AFLAC | $17 | — | $17 | 0.03% |
| JAMES SCHLERNITZAUER3 | 1175 GEER RD STE D TURLOCK, CA 95380 | AFLAC | $11 | — | $11 | 0.02% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $9 | — | $9 | 0.02% |
| NICHOLAS VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $9 | — | $9 | 0.02% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $3 | — | $3 | 0.01% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 9 RAINBOW RDG IRVINE, CA 92603 | AFLAC | $3 | — | $3 | 0.01% |
| BANZAI INSURANCE SOLUTIONS INC3 Filed as: BANZAI INSURANCE SOLUTIONS, INC. | 344 THOMAS BERKELEY WAY SUITE 238 OAKLAND, CA 94612 | AFLAC | $3 | — | $3 | 0.01% |
| LISA A PERRI3 Filed as: LISA HUTCHERSON | 193 BLUE RAVINE RD STE 140 FOLSOM, CA 95630 | AFLAC | $2 | $1 | $3 | 0.01% |
| BETH A. HESTER3 Filed as: BETH A HESTER | 1143 CHAMPAGNE LN MANTECA, CA 95337 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT PILKENTON3 | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | AFLAC | $1 | $1 | $2 | 0.00% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | — | $1 | 0.00% |
| AMY LUDWICK3 | 7403 SESAME ST COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
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 | 608 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 611 | $71K |
| Short-term disability | AFLAC | 118 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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.
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.