| 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 | $101K | $0 | $101K | 5.02% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 4.55% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 7.09% |
| CELITA ANN PEDRO3 | 6705 MIRAVISTA DR ROCKLIN, CA 95677 | AFLAC | $2K | $40 | $2K | 11.60% |
| JACE G KUERSTEN3 | 2281 LAVA RIDGE CT STE 130 ROSEVILLE, CA 95661 | AFLAC | $253 | $8 | $261 | 1.68% |
| PURVES AND ASSOCIATES3 | 500 4TH STREET DAVIS, CA 95616 | AFLAC | $154 | $0 | $154 | 0.99% |
| JAMES S SARANTIS3 | 2281 LAVA RIDGE CT STE 130 ROSEVILLE, CA 95661 | AFLAC | $135 | $8 | $143 | 0.92% |
| DARRYL W VIDOR3 | 4030 LENNANE DR SACRMAENTO, CA 95834 | AFLAC | $78 | $0 | $78 | 0.50% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $63 | $0 | $63 | 0.40% |
| APRIL MARIE ROBERTS3 | 3540 SPRINGFIELD DR FAIRFIELD, CA 94534 | AFLAC | $53 | $0 | $53 | 0.34% |
| REBECCA STUART-GRISHAM3 | P.O BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $46 | $0 | $46 | 0.30% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OKAS, CA 95628 | AFLAC | $43 | $0 | $43 | 0.28% |
| LARS J RONTEN3 | 2251 DOUGLAS BLVD STE 110 ROSEVILLE, CA 95661 | AFLAC | $40 | $0 | $40 | 0.26% |
| BARRY A WHITE3 Filed as: BARRY WHITE | 4506 BANTAM WAY ELK GROVE, CA 95758 | AFLAC | $36 | $0 | $36 | 0.23% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $34 | $0 | $34 | 0.22% |
| RAMONA HERRIFORD3 | P.O. BOX 278867 SACRAMENTO, CA 95827 | AFLAC | $18 | $0 | $18 | 0.12% |
| BARBARA GARLAND3 | 1510 YELLOWSTONE CT ROCKLIN, CA 95765 | AFLAC | $18 | $0 | $18 | 0.12% |
| DAVID B. KITCHEN3 Filed as: DAVID KITCHEN | 1260 N DUTTON AVE STE 180 SANTA ROSA, CA 95401 | AFLAC | $12 | $0 | $12 | 0.08% |
| ROBERT BENEFIEL3 | 1655 S COLE DR GILBERT, AZ 85295 | AFLAC | $12 | $0 | $12 | 0.08% |
| CAROLYN LEWIS3 | 3904 HILLS CT EL DORADO HILLS, CA 95762 | AFLAC | $10 | $0 | $10 | 0.06% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 7403 SESAME ST COLUMBUS, GA 31909 | AFLAC | $10 | $0 | $10 | 0.06% |
| PETER JAMES SARANTIS3 | 26200 TOWN CENTER DRIVE STE 110 NOVI, MI 48375 | AFLAC | $6 | $0 | $6 | 0.04% |
| TYLER BENNETT3 | 2280 E BIDWELL ST #200 FOLSOM, CA 95630 | AFLAC | $6 | $0 | $6 | 0.04% |
| MICHAEL RHODD3 Filed as: MICHAEL JAMES RHOOD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $5 | $0 | $5 | 0.03% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $3 | $0 | $3 | 0.02% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | $0 | $1 | 0.01% |
| CELITA ANN PEDRO3 | 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 | 207 N GILBERT RD STE 001 GILBERT, AZ 85234 | AFLAC | $60 | $0 | $60 | 1.68% |
| LINDA BAILEY3 | 6505 DEADERICK CT ORANGEVALE, CA 95662 | AFLAC | $39 | $0 | $39 | 1.09% |
| REBECCA STUART-GRISHAM3 | PO BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $27 | $0 | $27 | 0.76% |
| BARBARA GARLAND3 | 1510 YELLOWSTONE CT ROCKLIN, CA 95765 | AFLAC | $25 | $0 | $25 | 0.70% |
| 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 OKAS, CA 95628 | AFLAC | $5 | $0 | $5 | 0.14% |
| AMY LUDWICH3 | 7403 SESAME ST. COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.03% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | $0 | $1 | 0.03% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 136 | $2.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $168K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $168K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $255K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $187K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $87K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.