| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHUN-HA INSURANCE SERVICES, INC.3 Filed as: CHUN HA INSURANCE SERVICES INC. | 9122 GARDEN FROVE BLVD GARDEN GROVE, CA 92844 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $12K | — | $12K | 9.91% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $4K | $92 | $4K | 13.95% |
| ANDY JOSE CASTRO3 | 20 CATHERINE SLIP APT 6C NEW YORK, NY 10038 | AFLAC | $1K | $183 | $1K | 4.78% |
| STEPHANIE A REYNOSO3 | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $540 | $18 | $558 | 1.84% |
| DEBBIE SCHULTZ3 | 2384 VIA MARIPOSA W UNIT 3F LAGUNA WOODS, CA 92637 | AFLAC | $534 | $2 | $536 | 1.76% |
| JANELLE MARIE GADOMSKI3 | 166 MIDLAND AVE YONKERS, NY 10705 | AFLAC | $293 | — | $293 | 0.96% |
| OWEN JOHNSTON3 Filed as: OWEN C JOHNSTON | 796 N HART ST ORANGE, CA 92867 | AFLAC | $228 | $18 | $246 | 0.81% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $191 | — | $191 | 0.63% |
| ZORN BENEFITS GROUP LLC3 | 179 S GLEN RD KINNELON, NJ 07405 | AFLAC | $174 | — | $174 | 0.57% |
| FRANK GRANITO3 | PO BOX 170 BLAIRSTOWN, NJ 07825 | AFLAC | $142 | — | $142 | 0.47% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $91 | — | $91 | 0.30% |
| CLINT D SALMON3 | 34 DOWNFIELD WAY TRABUCO CANYON, CA 92679 | AFLAC | $71 | — | $71 | 0.23% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92629 | AFLAC | $52 | — | $52 | 0.17% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY SANKA | 861 VOORHEES AVE MIDDLESEX, NJ 08846 | AFLAC | $46 | — | $46 | 0.15% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $42 | — | $42 | 0.14% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $14 | — | $14 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $7 | — | $7 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $5 | — | $5 | 0.02% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $5 | — | $5 | 0.02% |
| FAITH BENEFIT SOLUTIONS3 | 1037 SALMON ISLE GREENACRES, FL 33413 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.01% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $3 | — | $3 | 0.01% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $3 | — | $3 | 0.01% |
| TARA MICHELLE D AGOSTINO3 | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $2 | — | $2 | 0.01% |
| VANZANTEN INSURANCE SERVICES INC3 | 33530 PAUBA RD TEMECULA, CA 92592 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS BRZEZINSKI3 | 99 SUMIIT RD SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $1 | — | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DR SPARTA, NJ 07871 | AFLAC | $1 | — | $1 | 0.00% |
| CHUN-HA INSURANCE SERVICES, INC.3 Filed as: THE CHUN HA AGENCY | 9122 GARDEN GROVE BLVD GARDEN GROVE, CA 92844 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| CHUN-HA INSURANCE SERVICES, INC.3 Filed as: THE CHUN HA AGENCY | 9122 GARDEN GROVE BLVD GARDEN GROVE, CA 92844 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $666 | — | $666 | 10.00% |
| CHUN-HA INSURANCE SERVICES, INC.3 Filed as: THE CHUN HA AGENCY | 9122 GARDEN GROVE BLVD GARDEN GROVE, CA 92844 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | — | $143 | 9.99% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 133 | $147K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 133 | $117K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $7K |
| Short-term disability | AFLAC | 45 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $16K |
| Other(2 contracts, 2 carriers) | AFLAC | 134 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.