| 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 | $10K | $0 | $10K | 9.91% |
| GIBRAN AHMAD CHAUDHRY3 | 20521 REID LN SARATOGA, CA 95070 | AFLAC | $8K | $0 | $8K | 10.64% |
| WENDY JOHNSTON INSURANCE SVCS LLC3 | 780 COUNTRY CLUB DR CARMEL VALLEY, CA 93924 | AFLAC | $3K | $0 | $3K | 3.55% |
| KEVIN D EVANS3 | 3 DEL RIO CIRCLE SOQUEL, CA 95073 | AFLAC | $1K | $0 | $1K | 1.82% |
| FALCE BENEFITS GROUP INC.3 | 191 CYPRESS LN WATSONVILLE, CA 95076 | AFLAC | $1K | $0 | $1K | 1.52% |
| BRENDA BUUM JACOBS3 | 526 PINE STREET APTOS, CA 95003 | AFLAC | $805 | $96 | $901 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 1919 FAIRMOUNT AVE SW SEATTLE, WA 98126 | AFLAC | $836 | $0 | $836 | 1.18% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $624 | $0 | $624 | 0.88% |
| GIBRAN AHMAD CHAUDHRY3 | 90 GREAT OAKS BLVD SUITE 103 SAN JOSE, CA 95119 | AFLAC | $567 | $0 | $567 | 0.80% |
| JUAN JOSE PEREZ3 | 51201 PINE CANYON RD SPC 45 KING CITY, CA 93930 | AFLAC | $464 | $0 | $464 | 0.66% |
| CHRIS C NESTER3 | 1610 PARK TRAIL DR HOLLISTER, CA 95023 | AFLAC | $218 | $0 | $218 | 0.31% |
| YESSICA ARIAS3 | 361 MAJESTIC DR HOLLISTER, CA 95023 | AFLAC | $191 | $0 | $191 | 0.27% |
| JENNIFER G JIMENEZ3 | 1522 CONSTITUTION BLVD #420 SALINAS, CA 93905 | AFLAC | $180 | $0 | $180 | 0.25% |
| AMY PURVIS3 | 1058 FOXCHASE DR APT 369 SAN JOSE, CA 95123 | AFLAC | $150 | $0 | $150 | 0.21% |
| JOSE MOLINA3 | PO BOX 1833 FREEDOM, CA 95019 | AFLAC | $112 | $0 | $112 | 0.16% |
| HARRISON FONG3 | 20201 ARGONAUT DR SARATOGA, CA 95070 | AFLAC | $73 | $0 | $73 | 0.10% |
| DANNY J LEON3 | 10550 BAYMEADOWS RD UNIT 429 JACKSONVILLE, FL 32256 | AFLAC | $40 | $0 | $40 | 0.06% |
| ERIC MARINELLI3 | 750 AMBROSE DR SALINAS, CA 93901 | AFLAC | $29 | $0 | $29 | 0.04% |
| GARY LEE BOYER3 | 1000 BYERS ST GILROY, CA 95020 | AFLAC | $21 | $0 | $21 | 0.03% |
| ALDO ROCHA3 | PO BOX 1833 FREEDOM, CA 85019 | AFLAC | $9 | $0 | $9 | 0.01% |
| RICHARD W SHELTON INS. MARKETING3 | 719 SAN BENITO ST., SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 9.71% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $203 | $2K | 17.44% |
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 | 137 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 234 | $102K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 199 | $16K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 152 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.