| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $39K | — | $39K | 3.41% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $11K | — | $11K | 0.92% |
| SALLY SAADE-SPAIDE3 | 20 FRANCHESHI PLACE ALISO VIEJO, CA 92656 | AETNA HEALTH, INC. | $3K | — | $3K | 0.25% |
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $8K | $300 | $8K | 6.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.25% |
| SALLY SAADE-SPAIDE3 | 20 FRANCHESHI PLACE ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO. | $1K | $68 | $2K | 1.12% |
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | — | -$368 | -$368 | -0.27% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $3K | $124 | $3K | 10.44% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $2K | $83 | $2K | 5.72% |
| JOSEPH HOFFMAN3 | 1623 CAMINO DE SALMON ST CORONA, CA 92881 | AFLAC | $1K | $48 | $1K | 4.46% |
| JANICE M ADAMSON3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $643 | — | $643 | 2.08% |
| JANICE M ADAMSON3 | 10370 HEMET ST STE 210 RIVERSIDE, CA 92503 | AFLAC | $173 | $48 | $221 | 0.71% |
| GUINETH ANN REED3 | 3350 SHELBY ST STE 200 ONTARIO, CA 91764 | AFLAC | $174 | — | $174 | 0.56% |
| GABRIEL R JAUREGUI3 | 7155 CEDAR CREEK DR CORONA, CA 92880 | AFLAC | $50 | $34 | $84 | 0.27% |
| HARRY H SONKE3 | 3475 WILMA CT RIVERSIDE, CA 92504 | AFLAC | $46 | — | $46 | 0.15% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 1300 SHETTER AVE APT 4202 JACKSONVILLE BEACH, FL 32250 | AFLAC | $44 | — | $44 | 0.14% |
| TERRENCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $23 | — | $23 | 0.07% |
| GUINETH ANN REED3 | 3350 SHELBY ST 200 ONTARIO, CA 91764 | AFLAC | $19 | — | $19 | 0.06% |
| TERRENCE M LUCZAJ3 | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | AFLAC | $19 | — | $19 | 0.06% |
| MARTY J SONKE3 | 3475 WILMA CT RIVERSIDE, CA 92504 | AFLAC | $19 | — | $19 | 0.06% |
| KEITH A LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 62822 | AFLAC | $15 | — | $15 | 0.05% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $12 | — | $12 | 0.04% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE H DICKERSON | 34400 GLENWOOD DRIVE YUCAIPA, CA 92399 | AFLAC | $4 | — | $4 | 0.01% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $1 | — | $1 | 0.00% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $1 | — | $1 | 0.00% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $1 | — | $1 | 0.00% |
| MARK J WOOD3 | 315 W HACIENDA DR CORONA, CA 92682 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD BLACKSTONE3 | 653 VERDANT PLACE VISTA, CA 92084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 14.54% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | $32 | $187 | 0.82% |
| FREDRICK D BRADFORD3 | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.15% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $2K | $139 | $2K | 11.29% |
| JOSEPH HOFFMAN3 | 1623 CAMINO DE SALMON ST CORONA, CA 92881 | AFLAC | $868 | $30 | $898 | 4.34% |
| JANICE M ADAMSON3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $344 | $8 | $352 | 1.70% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $180 | $8 | $188 | 0.91% |
| JANICE M ADAMSON3 | 10370 HEMET ST STE 210 RIVERSIDE, CA 92503 | AFLAC | $115 | $22 | $137 | 0.66% |
| TERRENCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $67 | — | $67 | 0.32% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #160 CARLSBAD, CA 92011 | AFLAC | $14 | — | $14 | 0.07% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32550 | AFLAC | $2 | — | $2 | 0.01% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92686 | 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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 319 | $135K |
| Dental | AETNA LIFE INSURANCE CO. | 319 | $135K |
| Vision | AETNA LIFE INSURANCE CO. | 319 | $135K |
| Other(3 contracts, 2 carriers) | AFLAC | 40 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.