| 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 | 9.99% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $4K | $234 | $5K | 6.34% |
| KEVIN D EVANS3 | 3 DEL RIO CIRCLE SOQUEL, CA 95073 | AFLAC | $4K | $197 | $4K | 5.38% |
| YESSICA ARIAS3 | 1130 NEZ PERCE DR HOLLISTER, CA 95023 | AFLAC | $2K | $10 | $2K | 3.01% |
| DERREK LYN KECK3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $2K | $79 | $2K | 2.80% |
| FALCE BENEFITS GROUP INC.3 | 191 CYPRESS LN WATSONVILLE, CA 95076 | AFLAC | $1K | $0 | $1K | 1.94% |
| CHRIS C NESTER3 | 17809 COUNTRYSIDE CT SALINAS, CA 93907 | AFLAC | $472 | $7 | $479 | 0.66% |
| GARY LEE BOYER3 | 2900 FAIRVIEW RD SPC 41 HOLLISTER, CA 95023 | AFLAC | $335 | $20 | $355 | 0.49% |
| GIBRAN AHMAD CHAUDHRY3 | 20521 REID LN SARATOGA, CA 95070 | AFLAC | $315 | $0 | $315 | 0.43% |
| ALDO ROCHA3 | PO BOX 1833 FREEDOM, CA 85019 | AFLAC | $310 | $0 | $310 | 0.42% |
| GIBRAN AHMAD CHAUDHRY3 Filed as: GIBRAN AHMAD CHAUDRY | PO BOX 3409 SARATOGA, CA 95070 | AFLAC | $186 | $0 | $186 | 0.25% |
| JACK ROBERT MINOR3 | 5915 SORREL AVE SAN JOSE, CA 95123 | AFLAC | $129 | $0 | $129 | 0.18% |
| ERIC MARINELLI3 | 734 AMBROSE DR SALINAS, CA 93901 | AFLAC | $64 | $0 | $64 | 0.09% |
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 9.92% |
| 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 | $1K | $0 | $1K | 8.71% |
| 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 | $646 | $0 | $646 | 4.35% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 242 | $131K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 235 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $15K |
| Other(2 contracts, 2 carriers) | AFLAC | 132 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.