| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PL W STE 6005 FRESNO, CA 372091565 | BLUE SHIELD OF CA | $197K | — | $197K | 19.73% |
| HEALTHNOW ADMINISTRATIVE SERVICES3 | 801 LAKEVIEW DR, SUITE 301 BLUE PELL, PA 19422 | BLUE SHIELD OF CA | — | $12K | $12K | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PL W STE 605 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | EYE MED | $2K | — | $2K | 2.49% |
| JEWEL LOPEZ3 | 1330 COOPER AVE TURLOCK, CA 95380 | AFLAC | $3K | $135 | $4K | 8.20% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $662 | — | $662 | 1.54% |
| LINDA J. CASH3 Filed as: LINDA A HYMER | 3200 LOCKSLEY CT MODESTO, CA 95350 | AFLAC | $389 | — | $389 | 0.91% |
| BOHANNON INSURANCE AGENCY, INC.3 Filed as: BOHANNON INS AGCY INC | 4317 N STAR WAY STE A MODESTO, CA 95356 | AFLAC | $272 | — | $272 | 0.63% |
| SERAPIO M. NAMBO3 Filed as: SERAPIO M NAMBO | 2175 57TH AVE SACRAMENTO, CA 95822 | AFLAC | $216 | $23 | $239 | 0.56% |
| MELODY IRELAND3 | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $179 | — | $179 | 0.42% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $104 | — | $104 | 0.24% |
| PETER T ARNOLD3 Filed as: PETER ARNOLD | 12199 SILVER SPRINGS PL GRASS VALLEY, CA 95949 | AFLAC | $94 | — | $94 | 0.22% |
| HENRY IRELAND3 | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $92 | — | $92 | 0.21% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $64 | — | $64 | 0.15% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $63 | — | $63 | 0.15% |
| SANDA L GIRARD3 | 1116 SONORA AVE MANTECA, CA 95337 | AFLAC | $55 | — | $55 | 0.13% |
| ANA ARRIAGA3 | PO BOX 1131 WOODLAND, CA 95776 | AFLAC | $51 | — | $51 | 0.12% |
| BRANDON BENNETT3 | PO BOX 1365 COTTONWOOD, CA 96022 | AFLAC | $30 | — | $30 | 0.07% |
| FAUSTINO RODRIGUEZ3 | 3478 MOUNT PRIETA DR SAN JOSE, CA 95127 | AFLAC | $28 | — | $28 | 0.07% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BENEFIT & RISK MANAGEMENT SVCS INC | 10860 GOLD CENTER DRIVE STE 300 RANCHO CORDOVA, CA 95670 | AFLAC | $28 | — | $28 | 0.07% |
| JAMES SCHLERNITZAUER3 | 1175 GEER RD STE D TURLOCK, CA 95380 | AFLAC | $26 | — | $26 | 0.06% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $23 | — | $23 | 0.05% |
| VIRIGIL WHITE3 | 1985 SUGAR PINE DR OAKDALE, CA 95361 | AFLAC | $22 | — | $22 | 0.05% |
| NICHOLAS VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $19 | — | $19 | 0.04% |
| THEODORE CRANE3 | 2700 MARINA DR APT 109 MODESTO, CA 95355 | AFLAC | $16 | — | $16 | 0.04% |
| CHRIS BRANSON3 | 9209 COLBERG DR AUSTIN, TX 78749 | AFLAC | $9 | — | $9 | 0.02% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 9 RAINBOW RIDGE IRVINE, CA 92603 | AFLAC | $9 | — | $9 | 0.02% |
| DEANNA L SEVERN3 Filed as: DEANNA SEVERN | 860 KNAPP ST YREKA, CA 96097 | AFLAC | $5 | — | $5 | 0.01% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $3 | — | $3 | 0.01% |
| LISA A PERRI3 Filed as: LISA HUTCHERSON | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $2 | — | $2 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 305 10TH ST SACRAMENO, CA 95814 | AFLAC | $2 | — | $2 | 0.00% |
| BETH A. HESTER3 Filed as: BETH HESTER | 1143 CHAMPAGNE LN MANTECA, CA 95337 | AFLAC | $2 | — | $2 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| MATTHEW NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $1 | — | $1 | 0.00% |
| JONATHAN PAYNE3 | 3572 SHADOWTREE LN CHICO, CA 95928 | AFLAC | $1 | — | $1 | 0.00% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO PALOMINO | 21155 N 56TH ST APT 2120 PHOENIX, AZ 85054 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN G ROBERTS II3 Filed as: KEVIN ROBERTS II | 3540 SPRINGFIELD DR FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PL W STE 6005 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $8K | — | $8K | 23.80% |
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 | 1,283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 1,634 | $33K |
| Vision(2 contracts, 2 carriers) | EYE MED | 1,659 | $82K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 908 | $281K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 908 | $324K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 908 | $281K |
| Prescription drug | ENVISIONRX | 0 | $1.1M |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CA | 743 | $1.0M |
| Other | HALYCON BEHAVIORAL, LLC (SERVICE COMPANY FOR MHSA AND EAP PROGRAMS) | 754 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,659 | — |
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.