| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PURVES AND ASSOCIATES3 Filed as: PURVES AND ASSOC INS AGENCY | 500 4TH STREET DAVIS, CA 95616 | CALIFORNIA CHOICE | $68K | $0 | $68K | 4.98% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | METROPOLITIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.77% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $1K | $12 | $1K | 7.38% |
| PURVES AND ASSOCIATES3 Filed as: PURVES & ASSOCIATES | 500 4TH STREET DAVIS, CA 95616 | AFLAC | $207 | $0 | $207 | 1.34% |
| JACE KUERSTEIN3 | 507 GARWOOD CT VACAVILLE, CA 95687 | AFLAC | $144 | $0 | $144 | 0.93% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD STE 110 ROSEVILLE, CA 95661 | AFLAC | $133 | $0 | $133 | 0.86% |
| DARRYL W VIDOR3 | 4030 LENNANE DR SACRMAENTO, CA 95834 | AFLAC | $101 | $0 | $101 | 0.65% |
| APRIL MARIE ROBERTS3 | 62 N MARKET ST STE 310 WAILUKU, HI 96793 | AFLAC | $68 | $0 | $68 | 0.44% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OKAS, CA 95628 | AFLAC | $60 | $0 | $60 | 0.39% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTION | 1079 SUNRISE AVE STE B#305 ROSEVILLE, CA 95661 | AFLAC | $53 | $0 | $53 | 0.34% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $51 | $0 | $51 | 0.33% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $46 | $0 | $46 | 0.30% |
| REBECCA STUART-GRISHAM3 | P.O BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $41 | $0 | $41 | 0.27% |
| RAMONA HERRIFORD3 | P.O. BOX 278867 SACRAMENTO, CA 95827 | AFLAC | $29 | $0 | $29 | 0.19% |
| BARBARA GARLAND3 | 1510 YELLOWSTONE CT ROCKLIN, CA 95765 | AFLAC | $25 | $0 | $25 | 0.16% |
| CAROLYN LEWIS3 | 3904 HILLS CT EL DORADO HILLS, CA 95762 | AFLAC | $16 | $0 | $16 | 0.10% |
| JEANNETTE YVONNE DURRANI3 Filed as: JEANNETTE YVONNE DURANI | 1531 N ST APT 5056 SACRMAENTO, CA 95814 | AFLAC | $14 | $0 | $14 | 0.09% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 1260 N DUTTON AVE STE 180 SANTA ROSA, CA 95401 | AFLAC | $13 | $0 | $13 | 0.08% |
| ROBERT BENEFIEL3 | 207 N GILBERT RD STE 001 GILBERT, AZ 85234 | AFLAC | $11 | $0 | $11 | 0.07% |
| TYLER BENNETT3 | 2280 E BIDWELL ST 200 FOLSOM, CA 95630 | AFLAC | $8 | $0 | $8 | 0.05% |
| AMANDA ELENA GARDNER3 | 1079 SUNRISE AVE STE B BOX 305 ROSEVILLE, CA 95661 | AFLAC | $6 | $0 | $6 | 0.04% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 7403 SESAME ST COLUMBUS, GA 31909 | AFLAC | $6 | $0 | $6 | 0.04% |
| MICHAEL RHODD3 Filed as: MICHAEL JAMES RHOOD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $3 | $0 | $3 | 0.02% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $2 | $0 | $2 | 0.01% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $955 | $12 | $967 | 9.28% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD STE 110 ROSEVILLE, CA 95661 | AFLAC | $152 | $0 | $152 | 1.46% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTION | 1079 SUNRISE AVE STE B#305 ROSEVILLE, CA 95661 | AFLAC | $137 | $0 | $137 | 1.32% |
| LARS J RONTEN3 | 2251 DOUGLAS BLVD STE 110 ROSEVILLE, CA 95661 | AFLAC | $121 | $0 | $121 | 1.16% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | AFLAC | $118 | $0 | $118 | 1.13% |
| JACE KUERSTEIN3 | 507 GARWOOD CT VACAVILLE, CA 95687 | AFLAC | $74 | $0 | $74 | 0.71% |
| DARRYL W VIDOR3 | 4030 LENNANE DR SACRMAENTO, CA 95834 | AFLAC | $57 | $0 | $57 | 0.55% |
| APRIL MARIE ROBERTS3 Filed as: APRIL ROBERTS | 62 N MARKET SUITE 310 WAILUKU, HI 96793 | AFLAC | $39 | $0 | $39 | 0.37% |
| JEANNETTE YVONNE DURRANI3 Filed as: JEANNETTE YVONNE DURANI | 1531 N ST APT 5056 SACRMAENTO, CA 95814 | AFLAC | $37 | $0 | $37 | 0.36% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OKAS, CA 95628 | AFLAC | $35 | $0 | $35 | 0.34% |
| REBECCA STUART-GRISHAM3 | P.O BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $33 | $0 | $33 | 0.32% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $31 | $0 | $31 | 0.30% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $26 | $0 | $26 | 0.25% |
| RAMONA HERRIFORD3 | P.O. BOX 278867 SACRAMENTO, CA 95827 | AFLAC | $18 | $0 | $18 | 0.17% |
| AMANDA ELENA GARDNER3 | 1079 SUNRISE AVE STE B BOX 305 ROSEVILLE, CA 95661 | AFLAC | $18 | $0 | $18 | 0.17% |
| BARBARA GARLAND3 | 1510 YELLOWSTONE CT ROCKLIN, CA 95765 | AFLAC | $14 | $0 | $14 | 0.13% |
| CAROLYN LEWIS3 | 3904 HILLS CT EL DORADO HILLS, CA 95762 | AFLAC | $11 | $0 | $11 | 0.11% |
| ROBERT BENEFIEL3 | 207 N GILBERT RD STE 001 GILBERT, AZ 85234 | AFLAC | $9 | $0 | $9 | 0.09% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 1260 N DUTTON AVE STE 180 SANTA ROSA, CA 95401 | AFLAC | $9 | $0 | $9 | 0.09% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 7403 SESAME ST COLUMBUS, GA 31909 | AFLAC | $8 | $0 | $8 | 0.08% |
| TYLER BENNETT3 | 2280 E BIDWELL ST #200 FOLSOM, CA 95630 | AFLAC | $4 | $0 | $4 | 0.04% |
| MICHAEL RHODD3 Filed as: MICHAEL JAMES RHOOD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $4 | $0 | $4 | 0.04% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $3 | $0 | $3 | 0.03% |
| CELITA ANN PEDRO3 Filed as: CELITA PEDRO | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $168 | $0 | $168 | 4.71% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | AFLAC | $68 | $0 | $68 | 1.91% |
| ROBERT BENEFIEL3 | 3107 E BLUE RIDGE WAY GILBERT, AZ 85298 | AFLAC | $48 | $0 | $48 | 1.35% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $38 | $0 | $38 | 1.07% |
| BARBARA GARLAND3 | 1510 YELLOWSTONE CT ROCKLIN, CA 95765 | AFLAC | $25 | $0 | $25 | 0.70% |
| REBECCA STUART-GRISHAM3 | PO BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $22 | $0 | $22 | 0.62% |
| DARRYL W VIDOR3 Filed as: DARRYL VIDOR | 4030 LENNANE DR SACRAMENTO, CA 95834 | AFLAC | $21 | $0 | $21 | 0.59% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $19 | $0 | $19 | 0.53% |
| APRIL MARIE ROBERTS3 Filed as: APRIL ROBERTS | 62 N MARKET SUITE 310 WAILUKU, HI 96793 | AFLAC | $14 | $0 | $14 | 0.39% |
| TYLER BENNETT3 | 2280 E BIDWELL ST #200 FOLSOM, CA 95630 | AFLAC | $8 | $0 | $8 | 0.22% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $5 | $0 | $5 | 0.14% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $112 | $0 | $112 | 4.71% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | AFLAC | $45 | $0 | $45 | 1.89% |
| ROBERT BENEFIEL3 | 207 N GILBERT RD STE 001 GILBERT, AZ 85234 | AFLAC | $40 | $0 | $40 | 1.68% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $26 | $0 | $26 | 1.09% |
| REBECCA STUART-GRISHAM3 | PO BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $18 | $0 | $18 | 0.76% |
| BARBARA GARLAND3 | 1510 YELLOWSTONE CT ROCKLIN, CA 95765 | AFLAC | $17 | $0 | $17 | 0.71% |
| DARRYL W VIDOR3 Filed as: DARRYL VIDOR | 4030 LENNANE DR SACRAMENTO, CA 95834 | AFLAC | $13 | $0 | $13 | 0.55% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $13 | $0 | $13 | 0.55% |
| APRIL MARIE ROBERTS3 Filed as: APRIL ROBERTS | 62 N MARKET SUITE 310 WAILUKU, HI 96793 | AFLAC | $10 | $0 | $10 | 0.42% |
| TYLER BENNETT3 | 2280 E BIDWELL ST #200 FOLSOM, CA 95630 | AFLAC | $5 | $0 | $5 | 0.21% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OKAS, CA 95628 | AFLAC | $4 | $0 | $4 | 0.17% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 110 | $1.4M |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 448 | $192K |
| Vision | METROPOLITIAN LIFE INSURANCE COMPANY | 448 | $192K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 448 | $192K |
| Short-term disability(4 contracts) | AFLAC | 27 | $32K |
| Long-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 448 | $192K |
| Other | METROPOLITIAN LIFE INSURANCE COMPANY | 448 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.