| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERI LYNN DANNENBERG3 | 11091 RHYOLITE DR, SUITE 4 REDDING, CA 96003 | AFLAC | $6K | $276 | $6K | 10.46% |
| SCOTT R. FENTON3 | 7475 CALLAGHAN ROAD, #200 SAN ANTONIO, TX 78229 | AFLAC | $912 | $0 | $912 | 1.61% |
| MARK ELDON DANNENBERG3 | 11091 RHYOLITE DR, STE 4 REDDING, CA 96003 | AFLAC | $490 | $167 | $657 | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW D BROWN | 7475 CALLAGHAN ROAD SAN ANTONIO, TX 78229 | AFLAC | $468 | $89 | $557 | 0.98% |
| SCOTT R. FENTON3 Filed as: SCOTT R FENTON | 1020 GILBERT ST, #4 REDDING, CA 96001 | AFLAC | $410 | $89 | $499 | 0.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW D BROWN | 1529 LOOP 337, STE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $344 | $0 | $344 | 0.61% |
| WILLIAM WALTER WARNER3 | 1420 SERRANO PLACE, APT A REDDING, CA 96003 | AFLAC | $177 | $0 | $177 | 0.31% |
| DAMON R STREETMAN3 Filed as: DAMON R. STREETMAN | 5894 W. WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $170 | $0 | $170 | 0.30% |
| MATTHEW P. BRADEN3 | PO BOX 563 RIVERTON, UT 84065 | AFLAC | $154 | $0 | $154 | 0.27% |
| RYAN OLSON3 Filed as: RYAN T. OLSON | 1294 E 1ST AVE CHICO, CA 95926 | AFLAC | $131 | $0 | $131 | 0.23% |
| MARTY JOE TURNER3 | 209 WATERFORD DR CATAULA, GA 31804 | AFLAC | $107 | $0 | $107 | 0.19% |
| GREGORY GENE WICKERT3 | PO BOX 1665 RIVETON, WY 82501 | AFLAC | $102 | $0 | $102 | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES | PO BOX 8110 CHICO, CA 95927 | AFLAC | $78 | $0 | $78 | 0.14% |
| ROBERT W GOLDEN3 Filed as: ROBERT GOLDEN | 1259 LOOP 337, STE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $77 | $0 | $77 | 0.14% |
| JEFFREY KINGSLEY ALLEN3 | 6 TERRACE DR CHICO, CA 95926 | AFLAC | $75 | $0 | $75 | 0.13% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $29K |
| Short-term disability | AFLAC | 57 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 396 | $29K |
| Other(2 contracts, 2 carriers) | AFLAC | 396 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.