| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS ERIC KUNTZ3 | 1635 MADRONA AVE SAINT HELENA, CA 94574 | UNITED HEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 5.13% |
| THOMAS KUNTZ3 | 1635 MADRONA AVE SAINT HELENA, CA 94574 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.59% |
| THOMAS KUNTZ3 Filed as: THOMAS E KUNTZ | 1635 MADRONA AVE SAINT HELENA, CA 94574 | VISION SERVICE PLAN | $917 | — | $917 | 6.15% |
| THOMAS ERIC KUNTZ3 | 1635 MADRONA AVE SAINT HELENA, CA 94574 | AFLAC | $715 | — | $715 | 6.59% |
| TIMOTHY FRANCIS RANUIO3 | 4420 SPRINGWOOD DR NAPA, CA 94558 | AFLAC | $614 | — | $614 | 5.66% |
| MICHAEL BOOTH3 | 5325 ALHAMBRA VALLEY RD MARTINEZ, CA 94553 | AFLAC | $213 | — | $213 | 1.96% |
| RONDA MATHEW3 | 2030 13TH ST APT 3 SACRAMENTO, CA 95818 | AFLAC | $117 | — | $117 | 1.08% |
| DINORAH D ALFARO3 | 781 E COTATI AVE APT H7 ROHNERT PARK, CA 94928 | AFLAC | $104 | — | $104 | 0.96% |
| RONALDO BASSINI3 | 146 JACK LONDON DR SANTA ROSA, CA 95409 | AFLAC | $90 | — | $90 | 0.83% |
| TALLY RHOADES3 | 46 GLEN ROYAL DR PUEBLO, CO 81005 | AFLAC | $66 | — | $66 | 0.61% |
| LOUIS CHANDLER CASTLEBERRY3 | 1150 VILLAGE WAY SEBASTOPOL, CA 95472 | AFLAC | $55 | — | $55 | 0.51% |
| JACE G KUERSTEN3 | 1574 SAN FERNANDO DR CORONA, CA 92882 | AFLAC | $52 | — | $52 | 0.48% |
| DAVID B. KITCHEN3 Filed as: DAVID B KITCHEN | 5230 HARTER LN LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $44 | — | $44 | 0.41% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $32 | — | $32 | 0.29% |
| SAHAR QABAZARD3 | 443 S MAPLE DR BEVERLY HILLS, CA 90212 | AFLAC | $22 | — | $22 | 0.20% |
| MARK C. HUBER3 Filed as: MARK C HUBER | 51 HOFF RD KENWOOD, CA 95409 | AFLAC | $9 | — | $9 | 0.08% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $8 | — | $8 | 0.07% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $8 | — | $8 | 0.07% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 213 | $1.2M |
| Vision | VISION SERVICE PLAN | 99 | $15K |
| Other | AFLAC | 17 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.