| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 500 N SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $70K | $70K | 6.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.00% |
| DAVID HERNANDEZ3 | 1160 E MARIPOSA AVENUE EL SEGUNDO, CA 90245 | AFLAC | $4K | $521 | $4K | 10.47% |
| DAVID HERNANDEZ3 | 5860 OWENS AVENUE SUITE 100 CARLSBAD, CA 92008 | AFLAC | $3K | $0 | $3K | 6.66% |
| TALHA ZAQUIR RAHMAN3 | 20336 ANZA AVENUE APT 36 TORRANCE, CA 90503 | AFLAC | $1K | $118 | $1K | 2.67% |
| BRITTANY GLOVER3 | 6020 FLAMBEAU ROAD RANCHO PALOS VERDES, CA 90275 | AFLAC | $319 | $0 | $319 | 0.75% |
| 3P INS SVCS CORP3 Filed as: 3P INS SERVICES CORPORATION | 5455 1/2 ALVERN CIR LOS ANGELES, CA 90045 | AFLAC | $205 | $91 | $296 | 0.70% |
| ABEL A. DELUNA3 Filed as: ABEL A DELUNA | 1270 W 39TH STREET APT 5 LOS ANGELES, CA 90037 | AFLAC | $244 | $18 | $262 | 0.62% |
| MYKISHA L. THOMAS3 Filed as: MYKISHA L THOMAS | 607 E 67TH STREET APT 4 INGLEWOOD, CA 90302 | AFLAC | $251 | $0 | $251 | 0.59% |
| PETER GANCHEV BUDEVSKI3 | 2501 W REDONDO BEACH BLVD APT 232 GARDENA, CA 90249 | AFLAC | $168 | $15 | $183 | 0.43% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $150 | $0 | $150 | 0.35% |
| MYKISHA L. THOMAS3 Filed as: MYKISHA L THOMAS | 3886 3RD AVENUE LOS ANGELES, CA 90008 | AFLAC | $130 | $0 | $130 | 0.31% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W TAPERT INSURANCE AGENCY | 14 N BALDWIN AVENUE SIERRA MADRE, CA 91024 | AFLAC | $113 | $0 | $113 | 0.27% |
| JESSE DELUCA3 | 11015 MANSEL AVENUE INGLEWOOD, CA 90304 | AFLAC | $87 | $0 | $87 | 0.21% |
| PATRICK SOLOMON LENON3 | 3848 W CARSON STREET TORRANCE, CA 90503 | AFLAC | $30 | $0 | $30 | 0.07% |
| CATHERINE ESTES3 Filed as: CATHERINE S ESTES | 785 TUCKER ROAD SUITE G233 TEHACHAPI, CA 93561 | AFLAC | $18 | $8 | $26 | 0.06% |
| ADAM H MICHAELS3 | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $18 | $0 | $18 | 0.04% |
| JESSICA KELLIE XANTHOGIORGIS3 | 3848 W CARSON STREET TORRANCE, CA 90503 | AFLAC | $9 | $5 | $14 | 0.03% |
| DAVID F NELSON3 | 8751 SWALLOW AVENUE FOUNTAIN VALLEY, CA 92708 | AFLAC | $13 | $0 | $13 | 0.03% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVENUE SUITE 2 MONROVIA, CA 91016 | AFLAC | $8 | $0 | $8 | 0.02% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $8 | $0 | $8 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $5 | $0 | $5 | 0.01% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $4 | $0 | $4 | 0.01% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $4 | $0 | $4 | 0.01% |
| COLE & COLE INS SVCS LLC3 | 5558 CALIFORNIA AVENUE SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $3 | $1 | $4 | 0.01% |
| DANIEL E ELLIS3 | 377 E BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $4 | $0 | $4 | 0.01% |
| CATHERINE ESTES3 Filed as: CATHERINE S ESTES | 1121 W VALLEY BLVD SUITE I-123 TEHACHAPI, CA 93561 | AFLAC | $3 | $0 | $3 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET SUITE 615 CHICAGO, IL 60654 | AFLAC | $3 | $0 | $3 | 0.01% |
| KAREN NELSON3 Filed as: KAREN JOAN NELSON | 8751 SWALLOW AVENUE FOUNTAIN VALLEY, CA 92708 | AFLAC | $1 | $0 | $1 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND STREET, 6TH FLOOR GLENDALE, CA 91203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $727 | $727 | 3.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.75% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 192 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $69K |
| Vision | VISION SERVICE PLAN | 112 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $22K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 192 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 155 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.