| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINA D VINCENT3 Filed as: CHRISTINA D. VINCENT | 10809 GOLDSBOROUGH CIRCLE OAKDALE, CA 95361 | AFLAC | $5K | $133 | $5K | 5.85% |
| HENRY DUNN INC3 Filed as: HENRY J. IRELAND | 5225 PENTECOST DRIVE SUITE 24 MODESTO, CA 95356 | AFLAC | $2K | — | $2K | 2.58% |
| MELODY B THOMPSON3 Filed as: MELODY P. IRELAND | 5225 PENTECOST DRIVE SUITE 24 MODESTO, CA 95356 | AFLAC | $2K | $37 | $2K | 2.24% |
| JEWEL LOPEZ3 Filed as: JEWEL L. LOPEZ | 1330 COOPER AVENUE TURLOCK, CA 95380 | AFLAC | $1K | $62 | $1K | 1.43% |
| SANDRA L. GIRARD3 Filed as: SANDRA GIRARD | 1116 SONORA AVENUE MANTECA, CA 95337 | AFLAC | $852 | — | $852 | 1.06% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $669 | $39 | $708 | 0.88% |
| BRUCE W. COUGHLIN3 | 7005 DEL RIO DRIVE MODESTO, CA 95356 | AFLAC | $556 | — | $556 | 0.69% |
| ROBERT E PONCINI3 Filed as: ROBERT E. PONCINI | 390 ROMANO WAY OAKDALE, CA 95361 | AFLAC | $310 | — | $310 | 0.39% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | AFLAC | $287 | — | $287 | 0.36% |
| MAYRA CUARENTA3 Filed as: MAYRA M. CUARENTA | 620 EDGEBROOK COURT MODESTO, CA 95354 | AFLAC | $227 | — | $227 | 0.28% |
| WALTER O. PECCORINI3 | 1031 MCHENRY AVENUE SUITE 20 MODESTO, CA 95350 | AFLAC | $167 | — | $167 | 0.21% |
| BARRY A WHITE3 Filed as: BARRY A. WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $102 | — | $102 | 0.13% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PLACE THE VILLAGES, FL 32162 | AFLAC | $91 | — | $91 | 0.11% |
| DOULGAS E. FOX3 | 6838 THAYER LAKE DRIVE ALDEN, MI 49612 | AFLAC | $61 | — | $61 | 0.08% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $57 | — | $57 | 0.07% |
| JEANNETTE YVONNE DURRANI2 | 4515 S MCCLINKTOCK DRIVE TEMPE, AZ 85282 | AFLAC | $53 | — | $53 | 0.07% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE CERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $37 | — | $37 | 0.05% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTE FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $37 | — | $37 | 0.05% |
| ZACHARY W TURNER3 Filed as: ZACHARY W. TURNER | 3404 MONCLAIR CIRCLE MODESTO, CA 95350 | AFLAC | $23 | — | $23 | 0.03% |
| NATALIYA MILES3 Filed as: NATALIYA G. MILES | 5225 PENTECOST DRIVE SUITE 20 MODESTO, CA 95356 | AFLAC | $21 | — | $21 | 0.03% |
| MARK DWIGHT TAYLOR2 | 1424 CITRUS DRIVE MODESTO, CA 95350 | AFLAC | $21 | — | $21 | 0.03% |
| BRENDA MALDONADO3 Filed as: BRENDA R. MALDONADO | 1916 ST. AUGUSTINE COURT MODESTO, CA 95358 | AFLAC | $21 | — | $21 | 0.03% |
| JOHN PAUL WARNKE3 | 3401 PEGER ROAD SUITE A FAIRBANKS, AK 99709 | AFLAC | $19 | — | $19 | 0.02% |
| LINDA BAILEY3 Filed as: LINDA G. BAILEY | 6505 DEADERICK COURT ORANGEVALE, CA 95662 | AFLAC | $19 | — | $19 | 0.02% |
| RICARDO SEMERIA3 Filed as: RICARDO E. SEMERIA | 1828 MILPAS LANE MODESTO, CA 95355 | AFLAC | $17 | — | $17 | 0.02% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO H. PALOMINO | 2319 E EDNA AVENUE PHOENIX, AZ 85022 | AFLAC | $12 | — | $12 | 0.01% |
| PETER T ARNOLD3 Filed as: PETER T. ARNOLD | 12199 SILVER SPRINGS PLACE GRASS VALLEY, CA 95949 | AFLAC | $11 | — | $11 | 0.01% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LANE CHICO, CA 95928 | AFLAC | $11 | — | $11 | 0.01% |
| WILLIAM B STAPP2 Filed as: WILLIAM B. STAPP | 1672 MIDLAND STREET NORTH POLE, AK 99705 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT PILKENTON3 Filed as: ROBERT L. PILKENTON | 6643 FM 2187 ROAD SEALY, TX 77474 | AFLAC | $11 | — | $11 | 0.01% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DRIVE DANVILLE, CA 94526 | AFLAC | $10 | — | $10 | 0.01% |
| LISA M HUTCHERSON3 Filed as: LISA M. HUTCHERSON | 5690 LILYVIEW WAY ELK GROVE, CA 95757 | AFLAC | $10 | — | $10 | 0.01% |
| DAVID L KUNTZMAN3 Filed as: DAVID KUNTZMAN | 2212 W STATE STREET BOX 266 ALLIANCE, OH 44601 | AFLAC | $10 | — | $10 | 0.01% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 305 10TH STREET SACRAMENTO, CA 95814 | AFLAC | $9 | — | $9 | 0.01% |
| CHERI AGUIRRE3 Filed as: CHERI R. AGUIRRE | 21787 S OLIVE AVENUE RIPON, CA 95366 | AFLAC | $8 | — | $8 | 0.01% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $7 | — | $7 | 0.01% |
| EDWARD M RYSKA3 Filed as: EDWARD M. RYSKA | 6010 ROBLAR ROAD PETALUMA, CA 94952 | AFLAC | $7 | — | $7 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 3247 W MARCH LANE SUITE 210 STOCKTON, CA 95219 | AFLAC | $7 | — | $7 | 0.01% |
| RONNIE N FURMAN2 Filed as: RONNIE N. FURMAN | 3025 N 26TH STREET FORT SMITH, AR 72904 | AFLAC | $5 | — | $5 | 0.01% |
| MATTHEW M NACHAZEL2 Filed as: MATTHEW M. NACHAZEL | 16473 BAYWOOD LANE GRANGER, IN 46530 | AFLAC | $4 | — | $4 | 0.00% |
| NEAL E. DAILY3 Filed as: NEAL E. DALY | 1852 W 11TH STREET 310 TRACY, CA 95376 | AFLAC | $4 | — | $4 | 0.00% |
| SYLVIA AMPER3 | P.O. BOX 577045 MODESTO, CA 95357 | AFLAC | $3 | — | $3 | 0.00% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS E. VIGIL | 7808 E CYPRESS STREET SCOTTSDALE, AZ 85257 | AFLAC | $3 | — | $3 | 0.00% |
| SIERRA N KIRSHY3 Filed as: SIERRA N. KIRSHY | 348 DIAMOND OAKS ROAD ROSEVILLE, CA 95678 | AFLAC | $2 | — | $2 | 0.00% |
| SALLY A MEAD3 Filed as: SALLY A. MEAD | 1535 FIANNA PLACE TERRACE FORT SMTIH, AR 72908 | AFLAC | $1 | — | $1 | 0.00% |
| SHAUNNA FERRENBURG3 | 1809 W 104TH AVENUE ANCHORAGE, AK 99515 | AFLAC | $1 | — | $1 | 0.00% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 388 | $2.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 388 | $1.8M |
| Other(2 contracts, 2 carriers) | AFLAC | 200 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.