| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERI LYNN DANNENBERG3 | 11091 RHYOLITE DR STE 4 REDDING, CA 96003 | AFLAC | $4K | $91 | $4K | 7.72% |
| MARK ELDON DANNENBERG3 Filed as: MARK DANNENBERG | 11091 RHYOLITE DR STE 4 REDDING, CA 96003 | AFLAC | $2K | $0 | $2K | 3.28% |
| SCOTT FENTON3 | 1020 GILBERT ST #4 REDDING, CA 96001 | AFLAC | $880 | $0 | $880 | 1.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 7475 CALLAGHAN RD SAN ANTONIO, TX 78229 | AFLAC | $563 | $0 | $563 | 1.15% |
| RYAN OLSON3 | PO BOX 7861 CHICO, CA 95927 | AFLAC | $201 | $18 | $219 | 0.45% |
| DAMON STREETMAN3 | 5894 W WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $218 | $0 | $218 | 0.44% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | PO BOX 563 RIVERTON, UT 84065 | AFLAC | $199 | $0 | $199 | 0.41% |
| WILLIAM WALTER WARNER3 | 1420 SERRANO PL, APT A REDDING, CA 96003 | AFLAC | $196 | $0 | $196 | 0.40% |
| JEFFREY KINGSLEY ALLEN3 Filed as: JEFFREY K ALLEN | 6 TERRACE DR CHICO, CA 95926 | AFLAC | $118 | $0 | $118 | 0.24% |
| ROBERT W GOLDEN3 | 1043 CITRUS AVE CHICO, CA 95926 | AFLAC | $86 | $18 | $104 | 0.21% |
| GREGORY GENE WICKERT3 Filed as: GREGORY G WICKERT | PO BOX 1665 RIVERTON, WY 82501 | AFLAC | $104 | $0 | $104 | 0.21% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $85 | $0 | $85 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | AFLAC | $84 | $0 | $84 | 0.17% |
| MARTY JOE TURNER3 | 209 WATERFORD DR CATUALA, GA 31804 | AFLAC | $71 | $0 | $71 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 5405 MOREHOUSE DR SAN DIEGO, CA 92121 | AFLAC | $70 | $0 | $70 | 0.14% |
| JAMES SPROUSE3 Filed as: JAMES D SPROUSE | 4858 MERCURY ST #105 SAN DIEGO, CA 92111 | AFLAC | $61 | $0 | $61 | 0.12% |
| MJ INSURANCE3 Filed as: MONICA R SEAMAN AND VARIOUS AGENTS | 4109 RIO BRAVO DR CHICO, CA 95973 | AFLAC | $57 | $0 | $57 | 0.12% |
| BRET L RUNOLFSON3 | 2105 FOREST AVE STE 110 CHICO, CA 95928 | AFLAC | $56 | $0 | $56 | 0.11% |
| MAUREEN A CONNOLLY3 | 20 TIERRA ROSA LN CHICO, CA 95973 | AFLAC | $56 | $0 | $56 | 0.11% |
| WILLIAM A WEST3 | PO BOX 765 PALO CEDRO, CA 96073 | AFLAC | $55 | $0 | $55 | 0.11% |
| CHARLES E PHILPOT3 | 325 WASHINGTON ST RED BLUFF, CA 96080 | AFLAC | $46 | $0 | $46 | 0.09% |
| STEVEN DANNENBERG3 | 3305 NICOLET LN REDDING, CA 96001 | AFLAC | $46 | $0 | $46 | 0.09% |
| MARTY JOE TURNER3 Filed as: MARTY TURNER | 209 WATERFORD DR CATULA, GA 31804 | AFLAC | $36 | $0 | $36 | 0.07% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS GUS VOGIATZIS | 4987 SHADY LEAF WAY SACRAMENTO, CA 95838 | AFLAC | $33 | $0 | $33 | 0.07% |
| DEBBIE HODGSON3 Filed as: DEBBIE L HODGSON | 360 TUNNEL CREEK RD GRANTS PASS, OR 97526 | AFLAC | $31 | $0 | $31 | 0.06% |
| ADAM ANTHEN AYLWORTH3 Filed as: ADAM A AYLWORTH | PO BOX 505 ENTERPRISE, UT 84725 | AFLAC | $27 | $0 | $27 | 0.06% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $24 | $0 | $24 | 0.05% |
| SEAN THOMAS PEARCE3 Filed as: SEAN T PEARCE | 3640 POLARIS WAY REDDING, CA 96002 | AFLAC | $23 | $0 | $23 | 0.05% |
| ROBERT PILKENTON3 Filed as: ROBERT L PILKENTON | 1100 CORPORATE WAY STE 100 SACRAMENTO, CA 95831 | AFLAC | $22 | $0 | $22 | 0.04% |
| TERRI L SPITERI3 | 2908 HEGAN LB CHICO, CA 95928 | AFLAC | $20 | $0 | $20 | 0.04% |
| LISA M HUTCHERSON3 | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $12 | $0 | $12 | 0.02% |
| PETER T ARNOLD3 | 12199 SILVER SPRINGS PL GRASS VALLEY, CA 95949 | AFLAC | $11 | $0 | $11 | 0.02% |
| SHANE EDMUND ATTEBERY3 Filed as: SHANE E ATTEBERY | 391 RANDY DR GRANTS PASS, OR 97527 | AFLAC | $1 | $0 | $1 | 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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $25K |
| Short-term disability | AFLAC | 58 | $49K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $25K |
| Other(2 contracts, 2 carriers) | AFLAC | 411 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.