| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHEI LYNN DANNENBERG3 | 11091 RHYOLITE DR, SUITE 4 REDDING, CA 96003 | AFLAC | $5K | $470 | $5K | 8.40% |
| MARK ELDON DANNENBERG3 Filed as: MARK DANNENBERG | 11091 RHYOLITE DR, SUITE 4 REDDING, CA 96003 | AFLAC | $836 | $0 | $836 | 1.38% |
| SCOTT FENTON3 | 7475 CALLAGHAN RD, SUITE 200 SAN ANTONIO, TX 78229 | AFLAC | $705 | $94 | $799 | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $370 | $94 | $464 | 0.76% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL INC. | 3221 COHASSET RD, SUITE 130 CHICO, CA 95973 | AFLAC | $459 | $0 | $459 | 0.76% |
| JANELL N SCHUDEL3 Filed as: JANELL SCHUDEL | 3650 NEWCOMB AVE PAHRUMP, NV 89048 | AFLAC | $202 | $30 | $232 | 0.38% |
| WILLIAM WALTER WARNER3 Filed as: WILLIAM WARNER | 1420 SERRANO PLACE, APT A REDDING, CA 96003 | AFLAC | $164 | $0 | $164 | 0.27% |
| DAMON STREETMAN3 | 5894 W. WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $162 | $0 | $162 | 0.27% |
| PATRICIA HUNT3 | 1764 REGENT AVE REDDING, CA 96001 | AFLAC | $155 | $0 | $155 | 0.26% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | 566 W. MURRAY BLD, APT 4B MURRAY, UT 84123 | AFLAC | $146 | $0 | $146 | 0.24% |
| RYAN OLSON3 | 1294 E. 1ST AVE CHICO, CA 95926 | AFLAC | $116 | $0 | $116 | 0.19% |
| MARY JOE TURNER3 | 209 WATERFORD DR CATAULA, GA 31804 | AFLAC | $108 | $0 | $108 | 0.18% |
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 | 498 | 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) | 498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $27K |
| Short-term disability | AFLAC | 67 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 404 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 251 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
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.