| 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 | $12K | $0 | $12K | 9.06% |
| KEVIN D EVANS3 | 2524 PARKER STREET SANTA CRUZ, CA 95065 | AFLAC | $5K | $127 | $5K | 9.42% |
| ERIC MARINELLI3 | 734 AMBROSE DR SALINAS, CA 93901 | AFLAC | $2K | $14 | $2K | 3.89% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 Filed as: WENDY L JOHNSTON | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $2K | $48 | $2K | 3.61% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $2K | $68 | $2K | 3.19% |
| ALDO ROCHA3 | PO BOX 1833 FREEDOM, CA 85019 | AFLAC | $1K | $75 | $1K | 2.33% |
| JOSE MOLINA3 | PO BOX 1833 FREEDOM, CA 95019 | AFLAC | $1K | $14 | $1K | 2.18% |
| CHRIS C NESTER3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $710 | $20 | $730 | 1.43% |
| ROSEMARIE CALANCHE DURAN3 | 18873 LOHMAN STREET SALINAS, CA 93906 | AFLAC | $375 | $29 | $404 | 0.79% |
| MARTHA S GONZALEZ3 | PO BOX 1509 GONZALES, CA 93926 | AFLAC | $49 | $0 | $49 | 0.10% |
| MELBA WALTON3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $25 | $0 | $25 | 0.05% |
| DEBORAH J. COTTER3 Filed as: DEBORAH J COTTER | PO BOX 645 REDWOOD ESTATES, CA 95044 | AFLAC | $5 | $0 | $5 | 0.01% |
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 9.07% |
| 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 | 10.00% |
| 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 | $586 | $0 | $586 | 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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 278 | $134K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 265 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 162 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 162 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.