| 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 | $13K | $0 | $13K | 10.10% |
| KEVIN D EVANS3 | 3 DEL RIO CIRCLE SOQUEL, CA 95073 | AFLAC | $6K | $352 | $6K | 10.01% |
| ERIC MARINELLI3 | 734 AMBROSE DR SALINAS, CA 93901 | AFLAC | $2K | $111 | $2K | 3.68% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $2K | $157 | $2K | 3.27% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 Filed as: WENDY L JOHNSTON | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $2K | $142 | $2K | 2.95% |
| JOSE MOLINA3 | PO BOX 1833 FREEDOM, CA 95019 | AFLAC | $1K | $139 | $1K | 2.07% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 Filed as: WENDY JOHNSTON INS. SVCS. LLC | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $1K | $0 | $1K | 1.71% |
| ALDO ROCHA3 | PO BOX 1833 FREEDOM, CA 85019 | AFLAC | $815 | $63 | $878 | 1.38% |
| CHRIS C NESTER3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $751 | $40 | $791 | 1.24% |
| GARY LEE BOYER3 | 2900 FAIRVIEW RD SPC 41 HOLLISTER, CA 95023 | AFLAC | $222 | $0 | $222 | 0.35% |
| RICHARD W SHELTON INS. MARKETING3 Filed as: RICHARD W SHELTON INS MARKETING INC | 719 SAN BENITO STREET SUITE B HOLLISTER, CA 95023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 9.15% |
| 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 | $1K | $0 | $1K | 4.58% |
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 10.72% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 240 | $132K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 225 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $23K |
| Other(2 contracts, 2 carriers) | AFLAC | 152 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.