| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEWEL LOPEZ3 Filed as: JEWEL L LOPEZ | 1330 COOPER AVE TURLOCK, CA 95380 | AFLAC | $3K | $147 | $3K | 11.62% |
| LANCE WALUSKO3 | 3903 STORY RD DENAIR, CA 95316 | AFLAC | $570 | $34 | $604 | 2.29% |
| PETER JAMES SARANTIS3 | 7775 DUTRA BEND DR SACRAMENTO, CA 95831 | AFLAC | $309 | $34 | $343 | 1.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | AFLAC | $247 | — | $247 | 0.94% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $97 | — | $97 | 0.37% |
| JAMES F SCHLERNITZAUER3 | 1175 GEER RD STE D TURLOCK, CA 95380 | AFLAC | $90 | — | $90 | 0.34% |
| MELODY B THOMPSON3 Filed as: MELODY P IRELAND | 5225 PENTECOST DR STE 24 MODESTO, CA 95356 | AFLAC | $75 | — | $75 | 0.28% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE RYAN | 3425 NW 47TH DR CAMAS, WA 98607 | UNTIEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDIS EIN 81-4658349 TPA | Claims processing Service code 12 | — | $72K |
| RYAN D. NEACE EIN 57-3670046 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $68K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS ADMIN | Claims processing Service code 12 | — | $12K |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNTIEDHEALTHCARE INSURANCE COMPANY | 135 | $8K |
| Other(2 contracts, 2 carriers) | AFLAC | 135 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.