| 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 | 10.18% |
| YESSICA ARIAS3 | 1130 NEZ PERCE DR HOLLISTER, CA 95023 | AFLAC | $3K | $221 | $3K | 4.71% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $2K | $249 | $3K | 4.24% |
| FALCE BENEFITS GROUP INC.3 | 191 CYPRESS LN WATSONVILLE, CA 95076 | AFLAC | $2K | $170 | $2K | 3.00% |
| KEVIN D EVANS3 | 3 DEL RIO CIRCLE SOQUEL, CA 95073 | AFLAC | $2K | $0 | $2K | 2.86% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $1K | $128 | $1K | 2.29% |
| BRIAN DAVID BAUER3 | 90 GREAT OAKS BLVD. SUITE 103 SAN JOSE, CA 95119 | AFLAC | $773 | $0 | $773 | 1.23% |
| GIBRAN AHMAD CHAUDHRY3 | 90 GREAT OAKS BLVD. SUITE 103 SAN JOSE, CA 95119 | AFLAC | $404 | $0 | $404 | 0.64% |
| CHRIS C NESTER3 | 1610 PARK TRAIL DR HOLLISTER, CA 95023 | AFLAC | $286 | $0 | $286 | 0.45% |
| DANNY J LEON3 | 10550 BAYMEADOWS RD UNIT 429 JACKSONVILLE, FL 32256 | AFLAC | $133 | $0 | $133 | 0.21% |
| ALDO ROCHA3 | PO BOX 1833 FREEDOM, CA 85019 | AFLAC | $101 | $0 | $101 | 0.16% |
| JOSE MOLINA3 | PO BOX 1833 FREEDOM, CA 95019 | AFLAC | $92 | $0 | $92 | 0.15% |
| DANNY J LEON3 | 6096 INDIAN AVE SAN JOSE, CA 95123 | AFLAC | $75 | $0 | $75 | 0.12% |
| GIBRAN AHMAD CHAUDHRY3 Filed as: GIBRAN AHMAD CHAUDRY | PO BOX 3409 SARATOGA, CA 95070 | AFLAC | $30 | $20 | $50 | 0.08% |
| JACK ROBERT MINOR3 | 5915 SORREL AVE SAN JOSE, CA 95123 | AFLAC | $35 | $15 | $50 | 0.08% |
| GARY LEE BOYER3 | 2900 FAIRVIEW RD SPC 41 HOLLISTER, CA 95023 | AFLAC | $37 | $0 | $37 | 0.06% |
| ERIC MARINELLI3 | 750 AMBROSE DR SALINAS, CA 93901 | AFLAC | $34 | $0 | $34 | 0.05% |
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 10.51% |
| 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 | 8.74% |
| 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 | $577 | $0 | $577 | 4.37% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 196 | $117K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 192 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 132 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 132 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.