| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC5 | 1835 S EXTENSION RD MESA, AZ 85210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 16.02% |
| TERRIE RUNOLFSON3 Filed as: TERRIE L RUNOLFSON | PO BOX 1959 COTTONWOOD, CA 96022 | AFLAC | $13K | $473 | $13K | 13.89% |
| GARY WAYNE OGLE3 | 134 D ST STE 202 EUREKA, CA 95501 | AFLAC | $3K | $84 | $3K | 2.95% |
| CHERI LYNN DANNENBERG3 | 14349 KANAKA LN REDDING, CA 96001 | AFLAC | $2K | — | $2K | 2.00% |
| JOSHUA LITTLEFIELD3 | 3236 MARLENE AVE REDDING, CA 96002 | AFLAC | $784 | $68 | $852 | 0.88% |
| MOLLY ANNA OLIVER3 | 3657 EVERT PL REDDING, CA 96002 | AFLAC | $359 | — | $359 | 0.37% |
| SCOTT R. FENTON3 Filed as: SCOTT R FENTON | 945 TARAVAL ST # 1137 SAN FRANCISCO, CA 94116 | AFLAC | $237 | — | $237 | 0.25% |
| MARK ELDON DANNENBERG3 | 11091 RHYOLITE DR STE 4 REDDING, CA 96003 | AFLAC | $176 | — | $176 | 0.18% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD ST # 1009 OAKLAND, CA 94609 | AFLAC | $121 | — | $121 | 0.13% |
| WILLIAM WALTER WARNER3 | 1420 SERRANO PL APT A REDDING, CA 96003 | AFLAC | $119 | — | $119 | 0.12% |
| DAMON STREETMAN3 Filed as: DAMON R STREETMAN | 5894 W WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $118 | — | $118 | 0.12% |
| JANELL N SCHUDEL3 | 3650 NEWCOMB AVE PAHRUMP, NV 89048 | AFLAC | $52 | — | $52 | 0.05% |
| ANDROMIDA LYNN CHANDLER3 | 1600 DEL NORTE ST EUREKA, CA 95501 | AFLAC | $50 | — | $50 | 0.05% |
| MAUREEN A CONNOLLY3 | 617 OAK LAWN AVE CHICO, CA 95926 | AFLAC | $49 | — | $49 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | AFLAC | $49 | — | $49 | 0.05% |
| LEFTOUT CAPITAL INC3 | 1053 VILLAGE LN CHICO, CA 95926 | AFLAC | $41 | — | $41 | 0.04% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $39 | — | $39 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 5405 MOREHOUSE DR SAN DIEGO, CA 92121 | AFLAC | $36 | — | $36 | 0.04% |
| MARTY JOE TURNER3 | PO BOX 43 MAUK, GA 31058 | AFLAC | $36 | — | $36 | 0.04% |
| MATTHEW PHILIP BRADEN3 | 480 W MURRAY BLVD APT 10E SALT LAKE CITY, UT 84123 | AFLAC | $25 | — | $25 | 0.03% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | AFLAC | $20 | — | $20 | 0.02% |
| JEFFREY ALLEN CEREPA3 | 2837 ASPEN GLOW LN REDDING, CA 96001 | AFLAC | $19 | — | $19 | 0.02% |
| RYAN T OLSON3 | 9 LANA ST APT C PAIA, HI 96779 | AFLAC | $18 | — | $18 | 0.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES DONALD SPROUSE | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $16 | — | $16 | 0.02% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS GUS VOGIATZIS | 3112 O ST STE 18 SACRAMENTO, CA 95816 | AFLAC | $15 | — | $15 | 0.02% |
| ROBERT L PILKENTON3 | 6643 FM 2187 RD SEALY, TX 77474 | AFLAC | $11 | — | $11 | 0.01% |
| VIGILANT GROUP, LLC3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $11 | — | $11 | 0.01% |
| JACE G KUERSTEN3 | 7937 E JOSHUA TREE LN SCOTTSDALE, AZ 85250 | AFLAC | $8 | — | $8 | 0.01% |
| BRET L RUNOLFSON3 | 2105 FOREST AVE STE 110 CHICO, CA 95928 | AFLAC | $7 | — | $7 | 0.01% |
| ADAM ANTHEN AYLWORTH3 | PO BOX 505 ENTERPRISE, UT 84725 | AFLAC | $6 | — | $6 | 0.01% |
| ROBERT W GOLDEN3 | 8407 GOLDSTAR DR SAN ANTONIO, TX 78218 | AFLAC | $6 | — | $6 | 0.01% |
| PETER T ARNOLD3 | 8874 PORTIA DR RENO, NV 89506 | AFLAC | $3 | — | $3 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $2 | — | $2 | 0.00% |
| LISA M HUTCHERSON3 | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $2 | — | $2 | 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 | 1,015 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AFLAC | 1,015 | $138K |
| Short-term disability | AFLAC | 150 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $29K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,015 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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.