| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD W SHELTON INS. MARKETING3 Filed as: RICHARD W SHELTON INSURANCE MKTG | 719 SAN BENITO ST SUITE B HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $9K | — | $9K | 9.25% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | PREMIER ACCESS INSURANCE COMPANY | $779 | — | $779 | 0.82% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED DOCUMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $20K | $1K | $22K | 26.23% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $280 | $2K | 13.97% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $320 | — | $320 | 2.24% |
| RICHARD W SHELTON INS. MARKETING3 Filed as: RICHARD W SHELTON INSURANCE MKTG | 719 SAN BENITO ST HOLLISTER, CA 95023 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 9.35% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANCISCO, CA 94111 | PREMIER ACCESS INSURANCE COMPANY | $109 | — | $109 | 0.80% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 216 | $95K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 197 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 158 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 158 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.