| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $120K | — | $120K | 3.40% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | UNITEDHEALTHCARE INSURANCE COMPANY | $111K | — | $111K | 3.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DR LOS ANGELES, CA 90039 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $4K | $25K | 0.70% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3130 S HARBOR BLVD STE 140-150 SANTA ANA, CA 92704 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.35% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.11% |
| HINDS FINANCIAL GROUP, INC.3 Filed as: HINDS FINANCIAL GROUP INC | PO BOX 155 PASO ROBLES, CA 93447 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.27% |
| THERESA E GOMEZ3 | 9815 STEELHEAD RD PASO ROBLES, CA 93465 | AFLAC | $8K | $850 | $8K | 8.80% |
| KAREN A WILSON3 | PO BOX 886 TEMPLETON, CA 93465 | AFLAC | $5K | $231 | $5K | 5.21% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | AFLAC | $901 | $118 | $1K | 1.07% |
| DANIEL VORDALE INS SVCS INC3 | 712 MERCURY AVE LOMPOC, CA 93436 | AFLAC | $617 | $92 | $709 | 0.75% |
| SUZANNE MARIE CROWE3 | 121 VIA MANZANITA CT PASO ROBLES, CA 93446 | AFLAC | $114 | $74 | $188 | 0.20% |
| CHRISTI DIGGS3 | 9156 W 102ND TER OVERLAND PARK, KS 66212 | AFLAC | $179 | — | $179 | 0.19% |
| SHANNON N SMITH3 | 1525 SE PICCADILLY ST BLUE SPRINGS, MO 64014 | AFLAC | $96 | — | $96 | 0.10% |
| LORI UNGER3 | 30 REDWOOD DR PAGOSA SPRINGS, CO 81147 | AFLAC | $77 | — | $77 | 0.08% |
| THE MADRID AGENCY INC3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $51 | — | $51 | 0.05% |
| ANGELA M COOK3 | 400 N CORONADO ST APT 2108 CHANDLER, AZ 85224 | AFLAC | $45 | — | $45 | 0.05% |
| AMY M BUCHANAN3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $41 | — | $41 | 0.04% |
| THEODORE DAVANTZIS3 | 1226 KAPAREIL LN PASO ROBLES, CA 93446 | AFLAC | $38 | — | $38 | 0.04% |
| ASPEN R LLC3 Filed as: ASPEN R MADRID | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $37 | — | $37 | 0.04% |
| MANUEL A MADRID3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $23 | — | $23 | 0.02% |
| BENJAMIN C HENRY3 | 390 RIO LINDO AVE APT 77 CHICO, CA 95926 | AFLAC | $17 | — | $17 | 0.02% |
| PETER REGINELLI3 | 2 LARKSPUR LN CHICO, CA 95926 | AFLAC | $10 | — | $10 | 0.01% |
| ERNESTO T GONZALEZ3 | 10653 W LEILANI DR BOISE, ID 83709 | AFLAC | $9 | — | $9 | 0.01% |
| RYAN OLSON3 Filed as: RYAN T OLSON | 1294 E 1ST AVE CHICO, CA 95926 | AFLAC | $7 | — | $7 | 0.01% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS CONSULTANTS | 10653 W LEILANI DR BOISE, ID 83709 | AFLAC | $6 | — | $6 | 0.01% |
| PETER REGINELLI3 | 3093 RAE CREEK DR CHICO, CA 95973 | AFLAC | $6 | — | $6 | 0.01% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN MCKELLAR3 | 800 VARGAS DR BERNALILLO, NM 87004 | AFLAC | $5 | — | $5 | 0.01% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92629 | AFLAC | $3 | — | $3 | 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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,073 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,073 | $3.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,073 | $3.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $96K |
| Short-term disability | AFLAC | 95 | $95K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,073 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.