| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS, LLC | 970 RESERVE DRIVE SUITE 200 ROSEVILLE, CA 95678 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $39K | $39K | 5.02% |
| JOHNANNA HAAS3 | 828 BLACKWOOD AVE. CLOVIS, CA 93619 | AFLAC | $11K | $201 | $11K | 10.07% |
| LORELEI A ZENTMYER3 | 247 E PORTLAND AVE FRESNO, CA 93720 | AFLAC | $4K | $108 | $4K | 3.63% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INS SERVICES INC | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $3K | $63 | $3K | 2.43% |
| KIMBERLY L SCHMALL3 | 9925 N GRANVILLE AVE FRESNO, CA 93720 | AFLAC | $2K | $7 | $2K | 1.93% |
| JOSEPH LINVILLE3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $2K | $62 | $2K | 1.91% |
| REBECCA A ROBINSON3 | 7302 W PORTALS AVE FRESNO, CA 93723 | AFLAC | $2K | $0 | $2K | 1.79% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN M ZENTMYER | 247 E PORTLAND AVE FRESNO, CA 93720 | AFLAC | $508 | $0 | $508 | 0.48% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES, INC. | 641 HIGUERA ST. SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $374 | $62 | $436 | 0.41% |
| ROBERT WILKINS3 Filed as: ROBERT D WILKINS | 134 NW 19TH ST. ONTARIO, CA 97914 | AFLAC | $302 | $0 | $302 | 0.28% |
| RHONDA V PHILLIPS3 | 1334 W DAYTON AVE. FRESNO, CA 93705 | AFLAC | $289 | $1 | $290 | 0.27% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $158 | $0 | $158 | 0.15% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $60 | $0 | $60 | 0.06% |
| ANA PATRICIA ARRIAGA3 | 1509 W YOSEMITE AVENUE SUITE A1 MANTECA, CA 95337 | AFLAC | $45 | $0 | $45 | 0.04% |
| RYAN OLSON3 | 1294 E. 1ST AVENUE CHICO, CA 95926 | AFLAC | $26 | $0 | $26 | 0.02% |
| DELARIE ELAINE BROOKS3 | 17423 MERIMAC CT CARSON, CA 90746 | AFLAC | $10 | $0 | $10 | 0.01% |
| CAELUM INC3 Filed as: CAELUM, INC. | 13295 CALLE DEL CAMPO UNIT 2 SAN DIEGO, CA 92129 | AFLAC | $10 | $0 | $10 | 0.01% |
| RUSSEL G. LAKE JR.3 Filed as: RUSSEL G LAKE | 29309 BEACHCOMBER DR. SUN CITY, CA 92585 | AFLAC | $8 | $0 | $8 | 0.01% |
| KAREN M HUGHES3 Filed as: KAREN HUGHES | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $6 | — | $6 | 0.01% |
| HOUSKA INSURANCE SERVICES INC.3 Filed as: HOUSKA INSURANCE SERVICES, INC. | 1230 ROSECRANS AVE SUITE 260 MANHATTAN BEACH, CA 90266 | AFLAC | $4 | $0 | $4 | 0.00% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $3 | $0 | $3 | 0.00% |
| JOANN SONG ZWAGERMAN3 | 8549 WILSHIRE BLVD SUITE 934 BEVERLY HILLS, CA 90211 | AFLAC | $3 | $0 | $3 | 0.00% |
| BRIAN E KATZ3 Filed as: BRIAN KATZ | 1032 S SIERRA BONITA AVENUE LOS ANGELES, CA 90019 | AFLAC | $3 | $0 | $3 | 0.00% |
| ARNOLD COTTON INSURANCE AGENCY3 Filed as: ARNOLD COTTON INS AGENCY INC | 22647 VENTURA BLVD SUITE 342 WOODLAND HILLS, CA 91364 | AFLAC | $2 | $0 | $2 | 0.00% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS, LLC | 970 RESERVE DRIVE SUITE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.82% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS, LLC | 970 RESERVE DRIVE SUITE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 5.74% |
| TEVIS INSURANCE SOLUTIONS3 Filed as: TEVIS INSURANCE SOLUTIONS, LLC | 970 RESERVE DRIVE SUITE 200 ROSEVILLE, CA 95678 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $724 | $3K | 25.45% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE SUITE 200 ROSEVILLE, CA 95678 | UNIMERICA LIFE INSURANCE SERVICES | $551 | — | $551 | 10.16% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 101 | $944K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $11K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $11K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 132 | $112K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 132 | $112K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 101 | $944K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.