| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HINDS FINANCIAL GROUP, INC.3 Filed as: HINDS FINANCIAL GROUP INC. | PO BOX 155 PASO ROBLES, CA 93447 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | $1K | $46K | 6.24% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | $1K | $46K | 6.24% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 4.88% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 4.95% |
| HINDS FINANCIAL GROUP, INC.3 | 1818 SPRING STREET PASO ROBLES, CA 93446 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 4.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $6K | $6K | 3.26% |
| THERESA E GOMEZ3 | 9815 STEELHEAD RD PASO ROBLES, CA 93446 | AFLAC | $11K | $0 | $11K | 20.49% |
| KAREN A WILSON3 | PO BOX 886 TEMPLETON, CA 93465 | AFLAC | $3K | $0 | $3K | 5.28% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | AFLAC | $1K | $0 | $1K | 2.36% |
| ELECTRO MEDICAL SERVICES, INC.3 Filed as: ELECTRO MEDICAL SERVICES INC. | PO BOX 680 CLINTON, NC 28329 | AFLAC | $1K | $0 | $1K | 2.21% |
| MARTIN D ADAMS3 | PO BOX 1927 CLINTON, NC 28329 | AFLAC | $425 | $0 | $425 | 0.82% |
| THERESA MARIE CELANDER3 | 20 LAKE STREET N, SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $346 | $0 | $346 | 0.67% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS SVCS INC. | 3420 ORCUTT RD SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $312 | $0 | $312 | 0.60% |
| JOEL S WADDELL3 | 354 NC 581 HWY S GOLDSBORO, NC 27530 | AFLAC | $282 | $0 | $282 | 0.54% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS SVCS INC. | 3420 ORCUTT RD SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $242 | $0 | $242 | 0.47% |
| MANUEL A MADRID3 | 1048 INDEPENDENT AVE SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $235 | $0 | $235 | 0.45% |
| CHRISTI DIGGS3 | 9156 W 102ND TERRACE OVERLAND PARK, KS 66212 | AFLAC | $179 | $0 | $179 | 0.35% |
| LORI UNGER3 | 30 REDWOOD DR PAGOSA SPRINGS, CO 81147 | AFLAC | $116 | $56 | $172 | 0.33% |
| THEODORE DAVANTZIS3 | 1226 KAPAREIL LN PASO ROBLES, CA 93446 | AFLAC | $161 | $0 | $161 | 0.31% |
| MANNY AM LLC3 | 1048 INDEPENDENT AVE SUITE A207 GRAND JUNCTION, CO 81505 | AFLAC | $141 | $0 | $141 | 0.27% |
| SHANNON N SMITH3 | 1525 SE PICCADILLY ST BLUE SPRINGS, MO 64014 | AFLAC | $97 | $0 | $97 | 0.19% |
| MANNY AM LLC3 | 596 ANNA RD IGNACIO, CO 91137 | AFLAC | $94 | $0 | $94 | 0.18% |
| ASPEN R LLC3 | 752 MAIN AVE SUITE 201 DURANGO, CO 91301 | AFLAC | $68 | $11 | $79 | 0.15% |
| ERNESTO T GONZALEZ3 | 22720 CANYON VIEW DR CORONA, CA 92883 | AFLAC | $56 | $0 | $56 | 0.11% |
| AMY M BUCHANAN3 | 752 MAIN AVE SUITE 201 DURANGO, CO 81301 | AFLAC | $42 | $11 | $53 | 0.10% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $44 | $0 | $44 | 0.08% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE | 3420 ORCUTT RD SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $42 | $0 | $42 | 0.08% |
| SHANON M MCGAVER3 | PO BOX 154 ELK RIVER, MN 55330 | AFLAC | $34 | $0 | $34 | 0.07% |
| ANGELA M COOK3 | 3701 W 106TH STREET APT 224 LEAWOOD, KS 66206 | AFLAC | $34 | $0 | $34 | 0.07% |
| LUCAS BAUMGARTNER3 | 20 LAKE STREET N SUITE 220 FOREST LAKE, MN 55025 | AFLAC | $21 | $0 | $21 | 0.04% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92629 | AFLAC | $20 | $0 | $20 | 0.04% |
| ANGELA M COOK3 | 5609 NE HIDDEN MEADOW CIR LEES SUMMIT, MO 64064 | AFLAC | $11 | $0 | $11 | 0.02% |
| ASPEN R KEATING3 | 596 ANNA RD IGNACIO, CO 81137 | AFLAC | $7 | $0 | $7 | 0.01% |
| JACOB MATTHEWS3 | 500 COHARIE DR CLINTON, NC 28328 | AFLAC | $0 | $4 | $4 | 0.01% |
| AMY M BUCHANAN3 | 1315 MAIN AVE SUITE 218 DURANGO, CA 81301 | AFLAC | $3 | $0 | $3 | 0.01% |
| MATTHEW M PHLAUM3 | 1430 CHURCH STREET BAKER CITY, OR 97814 | AFLAC | $1 | $0 | $1 | 0.00% |
| COLLEEN DONOVAN3 Filed as: COLLEEN M DONOVAN | 3801 W CLEVELAND STREET TAMPA, FL 33609 | AFLAC | $1 | $0 | $1 | 0.00% |
| LINDA TOWNSEND3 | 2605 E L AVE LA GRANDE, OH 97850 | AFLAC | $1 | $0 | $1 | 0.00% |
| HINDS FINANCIAL GROUP, INC.3 Filed as: HINDS FINANCIAL GROUP INC. | 1818 SPRING STREET PASO ROBLES, CA 93446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.50% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.50% |
| HINDS FINANCIAL GROUP, INC.3 Filed as: HINDS FINANCIAL GROUP INC. | 1818 SPRING STREET PASO ROBLES, CA 93446 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | $0 | $599 | 7.50% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | $0 | $599 | 7.50% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 410 | $730K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $185K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $185K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $51K |
| Short-term disability | AFLAC | 117 | $52K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 593 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.