| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERI LYNN DANNENBERG3 | 11091 RHYOLITE DRIVE, SUITE 4 REDDING, CA 96003 | AFLAC | $5K | $109 | $5K | 8.11% |
| ANDROMIDA L. CHANDLER3 Filed as: ANDROMIDA L CHANDLER | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $715 | $212 | $927 | 1.49% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS LESS THAN 100 DOLLAR | — | AFLAC | $795 | $0 | $795 | 1.28% |
| SCOTT FENTON3 | 11303 MALAPAI PARK SAN ANTONIO, TX 78249 | AFLAC | $554 | $0 | $554 | 0.89% |
| GARY WAYNE OGLE3 | 134 D ST, SUITE 202 EUREKA, CA 95501 | AFLAC | $482 | $0 | $482 | 0.77% |
| MARK ELDON DANNENBERG3 Filed as: MARK DANNENBEREG | 11091 RHYOLITE DR, SUITE 4 REDDING, CA 96003 | AFLAC | $439 | $24 | $463 | 0.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 1259 LOOP 337, STE 200 NEW BRUNFELS, TX 78130 | AFLAC | $282 | $0 | $282 | 0.45% |
| WILLIAM WALTER WARNER3 Filed as: WILLIAM WARNER | 1420 SERRANO PLACE, APT A REDDING, CA 96003 | AFLAC | $143 | $0 | $143 | 0.23% |
| DAMON R STREETMAN3 | 5894 W. WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $137 | $0 | $137 | 0.22% |
| MATTHEW PHILIP BRADEN3 Filed as: MATTHEW BRADEN | 480 W. MURRAY BLVD, APT 10E SALT LAKE CITY, UT 84123 | AFLAC | $132 | $0 | $132 | 0.21% |
| LEFTOUT CAPITAL INC3 | 3221 COHASSET ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $103 | $28 | $131 | 0.21% |
| RYAN OLSON3 Filed as: RYAN T. OLSON | 1294 E. 1ST AVE CHICO, CA 95926 | AFLAC | $108 | $0 | $108 | 0.17% |
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 | 647 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 373 | $36K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.