| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TINA YOONJUNG KIM3 | 15778 AGAVE AVENUE CHINO, CA 91708 | KAISER FOUNDATION HEALTH PLAN INC. | $42K | — | $42K | 4.72% |
| LAURA K. LYNCH3 | 117 PROSPECT AVENUE HERMOSA BEACH, CA 90254 | AFLAC | $4K | — | $4K | 20.66% |
| DAVID HERNANDEZ3 | 1160 E. MARIPOSA AVENUE EL SEGUNDO, CA 90254 | AFLAC | $2K | $52 | $2K | 7.95% |
| TALHA ZAQUIR RAHMAN3 | 20336 ANZA AVENUE APT. 36 TORRANCE, CA 90503 | AFLAC | $721 | $16 | $737 | 3.52% |
| VANESSA IRENE SALGUERO3 | 3160 WARWICK AVENUE APT. 6 LOS ANGELES, CA 90032 | AFLAC | $264 | — | $264 | 1.26% |
| CHRISTIAN A. CULLINAN3 | 11501 HATTERAS STREET UNNIT 5 NORTH HOLLYWOOD, CA 91601 | AFLAC | $213 | $22 | $235 | 1.12% |
| ABEL A. DELUNA3 | 3848 W. CARSON STREET SUITE 110 TORRANCE, CA 90503 | AFLAC | $150 | $7 | $157 | 0.75% |
| STEVEN R. JOHNSON3 | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $49 | — | $49 | 0.23% |
| SARAH BLISS DALY3 | 2 ALDRIN COURT CHICO, CA 95926 | AFLAC | $26 | — | $26 | 0.12% |
| JESSICA PEREZ3 | 11835 W. OLYMPIC BLVD. SUITE 795 E LOS ANGELES, CA 90064 | AFLAC | $21 | $1 | $22 | 0.11% |
| KENNETH G. BARCLAY3 | 1600 ARDMORE AVENUE UNIT 424 HERMOSA, CA 90254 | AFLAC | $17 | — | $17 | 0.08% |
| STEPHANIE M. GALLOWAY3 | 1923 BELMONT LANE SUITE A REEDONDO BEACH, CA 90278 | AFLAC | $14 | — | $14 | 0.07% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $7 | — | $7 | 0.03% |
| ARLICE C. MARSHALL3 | 14737 BELLFLOWER BLVD. APT. 4 BELLFLOWER, CA 90706 | AFLAC | $2 | $1 | $3 | 0.01% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A. STACHOWIAK | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 204 | $885K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 204 | $885K |
| Other | AFLAC | 52 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.