| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 NE 4TH ST BEND, OR 97701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.94% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILL PASS RD STE 800 CONCORD, CA 94520 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 9.92% |
| MINES INSURANCE SERVICES INC3 | 1519 BARTH AVE RICHMOND, CA 94806 | AFLAC | $3K | $100 | $3K | 6.32% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $2K | — | $2K | 4.89% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD ST #1009 OAKLAND, CA 94609 | AFLAC | $451 | $23 | $474 | 1.09% |
| SCOTT R. FENTON3 Filed as: SCOTT R FENTON | 945 TARAVAL ST #1137 SAN FRANCISCO, CA 94116 | AFLAC | $300 | $23 | $323 | 0.74% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LN CHICO, CA 94127 | AFLAC | $104 | — | $104 | 0.24% |
| KRISTINA J KUNZ3 | 108 MADRONE AVE SAN FRANCISCO, CA 94127 | AFLAC | $102 | — | $102 | 0.23% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DR SANTA ROSA, CA 95403 | AFLAC | $91 | — | $91 | 0.21% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISES CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $58 | — | $58 | 0.13% |
| MATT SMITH3 | 1746 28TH AVE SAN FRANCISCO, CA 94122 | AFLAC | $56 | — | $56 | 0.13% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $50 | — | $50 | 0.11% |
| JON P BATES JR3 | 440 REGENTS PARK DR VALLEJO, CA 94591 | AFLAC | $50 | — | $50 | 0.11% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $49 | — | $49 | 0.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | AFLAC | $46 | — | $46 | 0.11% |
| SERGIO I GARCIA3 | 7728 SKYBLUE AVE APT 109 WESLEY CHAPEL, FL 33545 | AFLAC | $34 | — | $34 | 0.08% |
| SAHAR QABAZARD3 | 443 S MAPLE DR BEVERLY HILLS, CA 90212 | AFLAC | $22 | — | $22 | 0.05% |
| GUILLERMO H PALOMINO3 | 14224 N 26TH DR PHOENIX, AZ 85023 | AFLAC | $14 | — | $14 | 0.03% |
| REBECCA J HANEY3 | 825 TALBART ST MARTINEZ, CA 94553 | AFLAC | $13 | — | $13 | 0.03% |
| VICTORIA L FLYNN3 Filed as: VICTORIA HOWARD | 1365 CAMINO PERAL MORAGA, CA 94556 | AFLAC | $7 | — | $7 | 0.02% |
| KEVIN DAVID KIME3 | 1708 MAKEFIELD RD YARDLEY, PA 19067 | AFLAC | $7 | — | $7 | 0.02% |
| WILLIAM G SHIELDS3 | 4658 VISTA ST SAN DIEGO, CA 92116 | AFLAC | $5 | — | $5 | 0.01% |
| CHRISTOPHER EARL BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $5 | — | $5 | 0.01% |
| JEROME RAYMOND STRAYVE JR3 | 2558 UNIVERSITY AVE 776 SAN DIEGO, CA 92104 | AFLAC | $3 | — | $3 | 0.01% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DR DANVILLE, CA 94526 | AFLAC | $1 | — | $1 | 0.00% |
| EDWARD M RYSKA3 | 6010 ROBLAR RD PETALUMA, CA 94952 | AFLAC | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1720 4TH ST BEND, OR 97701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 225 NE MIZNER BLVD STE 675 BOCA RATON, FL 33432 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $581 | $581 | 4.03% |
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 | 558 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 334 | $62K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 558 | $14K |
| Short-term disability | AFLAC | 44 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $112K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 558 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.