| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.18% |
| KAREN A WILSON3 Filed as: KAREN A. WILSON | PO BOX 886 TEMPLETON, CA 93465 | AFLAC | $10K | $0 | $10K | 30.33% |
| THERESA GOMEZ3 Filed as: THERESA A. GOMEZ | 9815 STEELHEAD ROAD PASO ROBLES, CA 93446 | AFLAC | $4K | $0 | $4K | 11.53% |
| DANIEL VORDALE INS SVCS INC3 | 712 MERCURY AVENUE LOMPOC, CA 93436 | AFLAC | $2K | $0 | $2K | 4.58% |
| CARRIE DANETTE FELICIANO3 | 4545 OUR PLACE PASO ROBLES, CA 93446 | AFLAC | $279 | $0 | $279 | 0.85% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VARDALE INS SVCS INC | 3420 ORCUTT ROAD, SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $182 | $0 | $182 | 0.56% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 430 WEST CALDWELL AVENUE, SUITE C VISALIA, CA 93277 | AFLAC | $33 | $0 | $33 | 0.10% |
| MJ INSURANCE3 Filed as: FRAN E. HERR AND VARIOUS AGENTS | 2337 NORTH SILVERDALE STREET VISALIA, CA 93291 | AFLAC | $30 | $0 | $30 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9171 TOWN CENTRE, SUITE 500 SAN DIEGO, CA 92122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $352 | $5K | 15.23% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $164 | $0 | $164 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 9171 TOWN CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $154 | $2K | 18.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178 | $0 | $178 | 1.37% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 266 | $137K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 122 | $63K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 266 | $137K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 266 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.