| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1900 MACARTHUR BLVD IRVINE, CA 92612 | AETNA LIFE INSURANCE CO | $15K | — | $15K | 7.37% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 RIO VISTA, CA 94571 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 7.74% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | — | $706 | $706 | 1.05% |
| LORELEI A ZENTMYER3 | 750 W ALLUVIAL AVE APT 1066 CLOVIS, CA 93611 | AFLAC | $434 | — | $434 | 2.94% |
| ANN MICHELLE ALESSANDRI3 | 1410 N ROOSEVELT AVE FRESNO, CA 93728 | AFLAC | $319 | — | $319 | 2.16% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $281 | — | $281 | 1.91% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INS SERVICES INC | 1255 W SHAW AVE STE 100A FRESNO, CA 93711 | AFLAC | $260 | — | $260 | 1.76% |
| MARISOL MENDOZA3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $200 | — | $200 | 1.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $135 | — | $135 | 0.92% |
| JOHNANNA S HAAS3 | 7602 N LEONARD AVE CLOVIS, CA 93619 | AFLAC | $61 | — | $61 | 0.41% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN M ZENTMYER | 750 W ALLUVIAL AVE APT 1066 CLOVIS, CA 93611 | AFLAC | $42 | — | $42 | 0.28% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $40 | — | $40 | 0.27% |
| RHONDA V PHILLIPS3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $24 | — | $24 | 0.16% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $14 | — | $14 | 0.09% |
| DEANA WELCH3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $13 | — | $13 | 0.09% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $11 | — | $11 | 0.07% |
| AMANDA MARTINEZ3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $11 | — | $11 | 0.07% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INS SRV INC | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $7 | — | $7 | 0.05% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $2 | — | $2 | 0.01% |
| DUANA ANDREW FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1 | — | $1 | 0.01% |
| ANN MICHELLE ALESSANDRI3 | 1410 N ROOSEVELT AVE FRESNO, CA 93728 | AFLAC | $751 | — | $751 | 5.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $628 | — | $628 | 4.72% |
| MARISOL MENDOZA3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $547 | — | $547 | 4.12% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INS SERVICES INC | 1255 W SHAW AVE STE 100A FRESNO, CA 93711 | AFLAC | $338 | — | $338 | 2.54% |
| JOHNANNA S HAAS3 | 7602 N LEONARD AVE CLOVIS, CA 93619 | AFLAC | $263 | — | $263 | 1.98% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $98 | — | $98 | 0.74% |
| REBECCA A ROBINSON3 | 7302 W PORTALS AVE FRESNO, CA 93723 | AFLAC | $58 | — | $58 | 0.44% |
| LORELEI A ZENTMYER3 | 750 W ALLUVIAL AVE APT 1066 CLOVIS, CA 93611 | AFLAC | $42 | — | $42 | 0.32% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INS SRV INC | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $19 | — | $19 | 0.14% |
| KIMBERLY L SCHMALL3 | 9925 N GRANVILLE AVE FRESNO, CA 93720 | AFLAC | $17 | — | $17 | 0.13% |
| RHONDA V PHILLIPS3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $16 | — | $16 | 0.12% |
| AMANDA MARTINEZ3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $15 | — | $15 | 0.11% |
| DEANA WELCH3 | 1285 W SHAW AVE STE 100 FRENSO, CA 93711 | AFLAC | $7 | — | $7 | 0.05% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $5 | — | $5 | 0.04% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $5 | — | $5 | 0.04% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $3 | — | $3 | 0.02% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $3 | — | $3 | 0.02% |
| EPIC3 | 1390 WILLOW PASS RD #800 RIO VISTA, CA 94571 | UNITED HEALTHCARE INSURANCE COMPANY | $843 | — | $843 | 10.00% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 129 | $8K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 718 | $215K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 718 | $215K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 174 | $67K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 174 | $67K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 174 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.