| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $1K | $29K | 10.82% |
| ROBERT M. ABIGANA3 Filed as: ROBERT ABIGANA AND VARIOUS BROKERS | 2220 CRESTMOOR DRIVE SAN BRUNO, CA 94066 | AFLAC | $279 | $0 | $279 | 3.00% |
| GEORGIANNA STOUT3 | 150 HARBOR DRIVE, UNIT 370 SAUSALITO, CA 94966 | AFLAC | $214 | $0 | $214 | 2.30% |
| JUANITA BURKS & ASSOCIATES3 Filed as: JUANITA BURKS AND ASSOCIATES | PO BOX 10341 MARINA DEL REY, CA 90295 | AFLAC | $174 | $0 | $174 | 1.87% |
| VANESSA IRENE HERRERA3 | 200 EAST AVENIDA DE LA MERCED MONTEBELLO, CA 90640 | AFLAC | $102 | $0 | $102 | 1.10% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G. KALLCOK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $48 | $0 | $48 | 0.52% |
| GINA MARIE LOVERDI3 | 736 PRIMOS AVENUE PRIMOS, PA 19018 | AFLAC | $44 | $0 | $44 | 0.47% |
| THEODORE C RAZATOS3 Filed as: THEODORE C. RAZATOS | 116 SURREY LANE SAN RAFAEL, CA 94903 | AFLAC | $36 | $0 | $36 | 0.39% |
| BRIEN C FLETCHER3 Filed as: BRIEN C. FLETCHER | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC | $412 | $0 | $412 | 10.19% |
| JAMES (JAY) GRIMES3 Filed as: JAMES JAY GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $44 | $0 | $44 | 1.09% |
| GREGORY K. MALONEY3 | 229 HALLOCK ROAD STONY BROOK, NY 11790 | AFLAC | $37 | $0 | $37 | 0.92% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM J. LOEFFERT | 545 DAVID STREET NORTH BABYLON, NY 11703 | AFLAC | $36 | $0 | $36 | 0.89% |
| NATL BENFTS PTNR LLC & OTHER AGENTS3 | 7301 SOUTH 5490 W WEST JORDAN, UT 84081 | AFLAC | $24 | $0 | $24 | 0.59% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NJ 11530 | AFLAC | $19 | $0 | $19 | 0.47% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $12 | $0 | $12 | 0.30% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $273K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $278K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $278K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $282K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $269K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 208 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.