| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERI LYNN DANNENBERG3 | 11091 RHYOLITE DRIVE, SUITE 4 REDDING, CA 96003 | AFLAC | $2K | $273 | $3K | 7.49% |
| GREGORY GENE WICKERT3 Filed as: GREGORY WICKERT AND OTHER AGENTS | PO BOX 1665 RIVERTON, WY 82501 | AFLAC | $1K | — | $1K | 3.49% |
| MARK ELDON DANNENBERG3 | 11091 RHYOLITE DRIVE, SUITE 4 REDDING, CA 96003 | AFLAC | $360 | — | $360 | 1.05% |
| MATTHEW PHILIP BRADEN3 | PO BOX 492203 REDDING, CA 96049 | AFLAC | $288 | $55 | $343 | 1.00% |
| RYAN OLSON INSURNACE SERVICES INC.3 | 1140 MANGROVE AVENUE, SUITE D CHICO, CA 95926 | AFLAC | $275 | $55 | $330 | 0.96% |
| DAMON R STREETMAN3 | 5894 WEST WILDFLOWER COURT HIGHLAND, UT 84003 | AFLAC | $259 | — | $259 | 0.75% |
| WILLIAM WALTER WARNER3 | 1420 SERRANO PLACE, APT A REDDING, CA 96003 | AFLAC | $226 | — | $226 | 0.66% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $26K |
| Short-term disability | AFLAC | 48 | $34K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $26K |
| Other(2 contracts, 2 carriers) | AFLAC | 397 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.