| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 735 CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 5.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | UNIMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 9.15% |
| PEGGY K SALMON3 Filed as: PEGGY SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $3K | $181 | $3K | 11.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $1K | — | $1K | 4.73% |
| MJ INSURANCE3 Filed as: RUDY VEGA AND VARIOUS AGENTS | 1406 EASTSIDE AVENUE SANTA ANA, CA 92701 | AFLAC | $595 | $24 | $619 | 2.34% |
| ROBERT SANCHEZ3 | 39607 VIA DOMINQUE MURRIETA, CA 92563 | AFLAC | $565 | — | $565 | 2.14% |
| MIRIAM HUNGERFORD3 | 33622 HOLTZ HILL ROAD DANA POINT, CA 92629 | AFLAC | $480 | $30 | $510 | 1.93% |
| JAMES P BOADA3 Filed as: JAMES BOADA | 5700 EAST FRANKLIN ROAD, SUITE 110 NAMPA, ID 83687 | AFLAC | $102 | — | $102 | 0.39% |
| BUSINESS & HEALTH INSURANCE SERVICE3 Filed as: BUSINESS AND HEALTH INS SERVICE INC | 1206 EAST YORBA LINDA BOULEVARD PLACENTIA, CA 92870 | AFLAC | $101 | — | $101 | 0.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $874 | — | $874 | 6.49% |
| UNKNOWN3 | UNKNOWN RIVERSIDE, CA 92503 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $155 | — | $155 | 5.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $910K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $910K |
| Vision | VISION SERVICE PLAN | 73 | $13K |
| Life insurance | UNIMERICA LIFE INSURANCE COMPANY | 109 | $54K |
| Short-term disability | AFLAC | 25 | $26K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $910K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $910K |
| Other(3 contracts, 3 carriers) | UNIMERICA LIFE INSURANCE COMPANY | 109 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.