| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 N SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $66K | $66K | 5.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 369 S ARIZONA AVE SUITE A CHANDLER, AZ 85225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 15.39% |
| DAVID HERNANDEZ3 | 5860 OWENS AVENUE SUITE 100 CARLSBAD, CA 92008 | AFLAC | $6K | $545 | $6K | 14.35% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PKWY APT 4101 FRISCO, TX 75033 | AFLAC | $953 | $103 | $1K | 2.45% |
| JULIANNA J PFEIFFER3 | 1160 E MARIPOSA AVE EL SEGUNDO, CA 90245 | AFLAC | $858 | $0 | $858 | 1.99% |
| MYKISHA L. THOMAS3 Filed as: MYKISHA L THOMAS | 3886 3RD AVE LOS ANGELES, CA 90008 | AFLAC | $276 | $0 | $276 | 0.64% |
| BRITTANY GLOVER3 | 6020 FLAMBEAU ROAD RANCHO PALOS VERDES, CA 90275 | AFLAC | $106 | $23 | $129 | 0.30% |
| ABEL A. DELUNA3 Filed as: ABEL A DELUNA | 1270 W 39TH STREET APT 5 LOS ANGELES, CA 90037 | AFLAC | $98 | $21 | $119 | 0.28% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $99 | $0 | $99 | 0.23% |
| CHARLES W. TAPERT INSURANCE AGENCY3 Filed as: CHARLES W TAPERT INSURANCE AGENCY | 14 N BALDWIN AVENUE SIERRA MADRE, CA 91024 | AFLAC | $86 | $0 | $86 | 0.20% |
| 3P INSURANCE SERVICES CORPORATION3 | 5445 1/2 ALVERN CIRCLE LOS ANGELES, CA 90045 | AFLAC | $63 | $0 | $63 | 0.15% |
| PETER GANCHEV BUDEVSKI3 | 2501 W REDONDO BEACH BLVD APT 232 GARDENA, CA 90249 | AFLAC | $53 | $0 | $53 | 0.12% |
| DEANNA LATIMORE3 | 5455 1/2 ALVERN CIRCLE LOS ANGELES, CA 90045 | AFLAC | $48 | $0 | $48 | 0.11% |
| ADAM H MICHAELS3 | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $14 | $0 | $14 | 0.03% |
| CATHERINE ESTES3 Filed as: CATHERINE S ESTES | 1121 WEST VALLEY BLVD SUITE 1-123 TEHACHAPI, CA 93561 | AFLAC | $11 | $0 | $11 | 0.03% |
| STEVEN R. JOHNSON3 Filed as: STEVEN R JOHNSON | 2239 W 190TH STREET TORRANCE, CA 90504 | AFLAC | $11 | $0 | $11 | 0.03% |
| DAVID F NELSON3 | 8751 SWALLOW AVENUE FOUNTAIN VALLEY, CA 92708 | AFLAC | $10 | $0 | $10 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET SUITE 615 CHICAGO, IL 60654 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVENUE SUITE 2 MONROVIA, CA 91016 | AFLAC | $6 | $0 | $6 | 0.01% |
| ELIZABETH A LENZO3 | 701 ALBEROSKY WAY BATAVIA, IL 60510 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVENUE SUITE 2 MONROVIA, CA 91016 | AFLAC | $6 | $0 | $6 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $6 | $0 | $6 | 0.01% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $3 | $0 | $3 | 0.01% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $3 | $0 | $3 | 0.01% |
| DANIEL E ELLIS3 | 377 E BUTTERFIELD ROAD SUITE 210 LOMBARD, IL 60148 | AFLAC | $3 | $0 | $3 | 0.01% |
| COLE & COLE INS SVCS LLC3 | 5558 CALIFORNIA AVENUE SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $2 | $0 | $2 | 0.00% |
| 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 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVAR, 6TH FLOOR GLENDALE, CA 91203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.62% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 205 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $72K |
| Vision | VISION SERVICE PLAN | 127 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $24K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 205 | $1.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 178 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.