| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $49K | — | $49K | 2.74% |
| BEERE & PURVES INC3 | 1350 TREAT BLVD STE 470 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | — | $31K | $31K | 1.74% |
| JOHN M. GILMOUR, INC. Filed as: JOHN M GILMOUR, INC. | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | BLUE CROSS OF CALIFORNIA | $29K | — | $29K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | BLUE CROSS OF CALIFORNIA | -$2K | — | -$2K | -0.10% |
| ERICA GOLDEN3 Filed as: ERICA R GOLDEN | 800 WILSHIRE BLVD SUITE 200 LOS ANGELES, CA 90017 | AFLAC | $10K | $729 | $11K | 17.06% |
| VERONICA INCHAURREGUI3 | 8965 ALEXANDER AVE SOUTHGATE, CA 90280 | AFLAC | $6K | $112 | $6K | 10.09% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $2K | $127 | $2K | 3.37% |
| COLLEEN ELIZABET MCLEAN3 | 3816 BEETHOVEN ST APT 203 LOS ANGELES, CA 90066 | AFLAC | $365 | — | $365 | 0.57% |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BLVD SUITE 210 COMMERCE, CA 90040 | AFLAC | $226 | — | $226 | 0.35% |
| TERESA DYKZEUL3 | 17736 HATTERAS ST 67 ENCINO, CA 91316 | AFLAC | $184 | — | $184 | 0.29% |
| DAVID J MCCLELLAN3 Filed as: DAVID L COOPER II | 608 SCHUMAKER DR SALISBURY, MD 21804 | AFLAC | $115 | $30 | $145 | 0.23% |
| GREGOR KREMENLIEV3 | 2635 RYAN ST CONCORD, CA 94518 | AFLAC | $107 | — | $107 | 0.17% |
| BALTOR INSURANCE SERVICES3 | 11 AIRPORT BLVD STE 105 SAN FRANCISCO, CA 94080 | AFLAC | $91 | — | $91 | 0.14% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD LAS VEGAS, NV 89118 | AFLAC | $47 | — | $47 | 0.07% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVE 106 ENCINO, CA 91316 | AFLAC | $46 | — | $46 | 0.07% |
| DORA BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $42 | — | $42 | 0.07% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $40 | — | $40 | 0.06% |
| NEIL J. RECKON3 Filed as: NEIL J RECKON | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | AFLAC | $37 | — | $37 | 0.06% |
| SAMUEL WALTON GILBERD3 | 623 SHERREE DR MARTINEZ, CA 94553 | AFLAC | $18 | — | $18 | 0.03% |
| JON P BATES JR3 | 440 REGENTS PARK DR VALLEJO, CA 94591 | AFLAC | $18 | — | $18 | 0.03% |
| ROVONE MARVELLE GRAHAM3 | 23972 OLD POMEGRANATE RD YORBA LINDA, CA 92887 | AFLAC | $17 | — | $17 | 0.03% |
| THEODORE C RAZATOS3 | 116 SURREY LN SAN RAFAEL, CA 94903 | AFLAC | $15 | — | $15 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $12 | — | $12 | 0.02% |
| RONALD I MARTINDALE3 | 2220 E ROUTE 66 STE 215 GLENDORA, CA 91740 | AFLAC | $7 | — | $7 | 0.01% |
| BRENT Y TANAMACHI3 | 2288 KENT SAN METEO, CA 94403 | AFLAC | $4 | — | $4 | 0.01% |
| TODD V MASON3 | 6164 LAWRENCE ST CYPRESS, CA 90630 | AFLAC | $3 | — | $3 | 0.00% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $3 | — | $3 | 0.00% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $2 | — | $2 | 0.00% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DR DANVILLE, CA 94526 | AFLAC | $2 | — | $2 | 0.00% |
| EDWARD M RYSKA3 | 6010 ROBLAR RD PETALUMA, CA 94952 | AFLAC | $2 | — | $2 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGON, KY 29412 | AFLAC | $2 | — | $2 | 0.00% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, CA 29412 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $1 | — | $1 | 0.00% |
| HENRY SAUCEDA3 | 2268 ALPHA CIR LAVERNE, CA 91750 | AFLAC | $1 | — | $1 | 0.00% |
| MARK J WOOD3 | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $1 | — | $1 | 0.00% |
| TOMMY C FLEESON3 Filed as: TOMMY C FLESSON | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $1 | — | $1 | 0.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 0 | $1.8M |
| Dental | BLUE CROSS OF CALIFORNIA | 0 | $1.8M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 75 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 75 | $1.9M |
| Short-term disability | AFLAC | 75 | $64K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 0 | $1.8M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 0 | $1.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 75 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.