| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN CERES, CA 95307 | MODA HEALTH | $6K | $0 | $6K | 2.97% |
| CHRISTINA D VINCENT3 | 10809 GOLDSBOROUGH CIRCLE OAKDALE, CA 95361 | AFLAC | $4K | $61 | $4K | 4.54% |
| HENRY DUNN INC3 Filed as: HENRY J. IRELAND | 5225 PENTECOST DRIVE, SUITE 24 MODESTO, CA 95356 | AFLAC | $2K | $0 | $2K | 2.82% |
| MJ INSURANCE3 Filed as: ANA P. ARRIAGA AND VARIOUS AGENTS | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | AFLAC | $2K | $0 | $2K | 2.39% |
| MELODY B THOMPSON3 Filed as: MELODY P. IRELAND | 5225 PENTECOST DRIVE, SUITE 24 MODESTO, CA 95356 | AFLAC | $2K | $27 | $2K | 2.33% |
| JEWEL LOPEZ3 Filed as: JEWEL L. LOPEZ | 1330 COOPER AVENUE TURLOCK, CA 95380 | AFLAC | $1K | $75 | $1K | 1.81% |
| BRUCE W. COUGHLIN3 | 7005 DEL RIO DRIVE MODESTO, CA 95356 | AFLAC | $598 | $0 | $598 | 0.74% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $487 | $27 | $514 | 0.64% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 369 | $2.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $14K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $14K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 369 | $2.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 204 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.