| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERI LYNN DANNENBERG3 | 11091 RHYOLITE DR, SUITE 4 REDDING, CA 96003 | AFLAC | $7K | $108 | $7K | 10.45% |
| GARY WAYNE OGLE3 | 134 D ST, SUITE 202 EUREKA, CA 95501 | AFLAC | $2K | $25 | $2K | 3.18% |
| MJ INSURANCE Filed as: VARIOUS AGENTS LESS THAN 100 DOLLAR | — | AFLAC | $832 | $0 | $832 | 1.22% |
| SCOTT FENTON | 11400 SE 8TH ST, SUITE 447 BELLEVUE, WA 98004 | AFLAC | $430 | $0 | $430 | 0.63% |
| MARK ELDON DANNENBERG | 11091 RHYOLITE DR, SUITE 4 REDDING, CA 96003 | AFLAC | $386 | $0 | $386 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: MATTHEW D BROWN | 1919 FAIRMOUNT AVE, SW SEATTLE, WA 98126 | AFLAC | $217 | $0 | $217 | 0.32% |
| ANDROMIDA L. CHANDLER3 | 1600 DEL NORTE ST EUREKA, CA 95501 | AFLAC | $125 | $25 | $150 | 0.22% |
| WILLIAM WALTER WARNER Filed as: WILLIAM WARNER | 1420 SERRANO PL, APT A REDDING, CA 96003 | AFLAC | $143 | $0 | $143 | 0.21% |
| DAMAN R STREETMAN | 5894 W WILDFLOWER CT HIGHLAND, UT 84003 | AFLAC | $123 | $0 | $123 | 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 | 479 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AFLAC | 376 | $166K |
| Short-term disability | AFLAC | 105 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $33K |
| Other(2 contracts, 2 carriers) | AFLAC | 230 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.