| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $16K | $0 | $16K | 11.07% |
| KEVIN D EVANS3 | 2524 PARKER STREET SANTA CRUZ, CA 95065 | AFLAC | $6K | $580 | $6K | 17.31% |
| ALDO ROCHA3 | PO BOX 1833 FREEDOM, CA 85019 | AFLAC | $2K | $75 | $2K | 5.21% |
| MICHAEL KELLER3 | 3058 SHERMAN RD PEBBLE BEACH, CA 93953 | AFLAC | $2K | $98 | $2K | 4.93% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 Filed as: WENDY L JOHNSTON | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $2K | $64 | $2K | 4.91% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $2K | $204 | $2K | 4.78% |
| JOSE MOLINA3 | PO BOX 1833 FREEDOM, CA 95019 | AFLAC | $1K | $93 | $2K | 4.31% |
| CHRIS C NESTER3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $652 | $59 | $711 | 1.93% |
| ROSEMARIE CALANCHE DURAN3 | 18873 LOHMAN STREET SALINAS, CA 93906 | AFLAC | $267 | $0 | $267 | 0.73% |
| ERIC MARINELLI3 | 734 AMBROSE DR SALINAS, CA 93901 | AFLAC | $103 | $0 | $103 | 0.28% |
| IGNACIO GONZALES3 | PO BOX 2001 SALINAS, CA 93902 | AFLAC | $58 | $0 | $58 | 0.16% |
| MARTHA S GONZALEZ3 | PO BOX 1509 GONZALES, CA 93926 | AFLAC | $27 | $0 | $27 | 0.07% |
| DEBORAH J. COTTER3 Filed as: DEBORAH J COTTER | PO BOX 645 REDWOOD ESTATES, CA 95044 | AFLAC | $3 | $0 | $3 | 0.01% |
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| RICHARD W SHELTON INS. MARKETING3 Filed as: RICHARD V SHELTON INS MARKETING INC | 719 SAN BENITO STREET SUITE B HOLLISTER, CA 95023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 10.01% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC. | 940 ADAMS STREET SUITE G BENECIA, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $561 | $0 | $561 | 5.00% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 264 | $141K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 251 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 144 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 144 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.