| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $48K | — | $48K | 3.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $12K | — | $12K | 0.99% |
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 7.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.32% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $2K | $216 | $3K | 6.77% |
| JOSEPH HOFFMAN3 | 1623 CAMINO DE SALMON ST CORONA, CA 92881 | AFLAC | $1K | $76 | $1K | 3.21% |
| JANICE M ADAMSON3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $676 | $76 | $752 | 1.99% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $419 | $166 | $585 | 1.54% |
| ZACHARY ALAN SUMPTER3 | 29585 RAWLINGS WAY LAKE ELSINORE, CA 92530 | AFLAC | $415 | — | $415 | 1.10% |
| GUINETH ANN REED3 | 3350 SHELBY ST STE 200 ONTARIO, CA 91764 | AFLAC | $230 | — | $230 | 0.61% |
| ZACHARY ALAN SUMPTER3 | 15902 ELLINGTON WAY CHINO HILLS, CA 91709 | AFLAC | $176 | — | $176 | 0.46% |
| HARRY H SONKE3 | 5432 DEVERON CT RIVERSIDE, CA 92507 | AFLAC | $56 | — | $56 | 0.15% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 120 PROVIDENCE TRL APT 1200 MT JULIET, TN 37122 | AFLAC | $52 | — | $52 | 0.14% |
| GABRIEL R JAUREGUI3 | 7155 CEDAR CREEK DR CORONA, CA 92880 | AFLAC | $40 | — | $40 | 0.11% |
| TERRENCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $28 | — | $28 | 0.07% |
| TERRENCE M LUCZAJ3 | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | AFLAC | $23 | — | $23 | 0.06% |
| MARTY J SONKE3 | 5432 DEVERON CT RIVERSIDE, CA 92507 | AFLAC | $22 | — | $22 | 0.06% |
| KEITH A LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 62822 | AFLAC | $18 | — | $18 | 0.05% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $18 | — | $18 | 0.05% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $15 | — | $15 | 0.04% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $13 | — | $13 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $10 | — | $10 | 0.03% |
| MARK J WOOD3 | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $9 | — | $9 | 0.02% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $7 | — | $7 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE H DICKERSON | 34400 GLENWOOD DRIVE YUCAIPA, CA 92399 | AFLAC | $4 | — | $4 | 0.01% |
| DAWN T SUCHECKI3 | 295 S WATER ST WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW D PAULUS3 | 100 TENNESSEE ST APT 1 REDLANDS, CA 92373 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| VANZANTEN INSURANCE SERVICES INC3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY T JOHNSON3 | 27321 PROVIDENT RD AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $2K | — | $2K | 8.90% |
| JOSEPH HOFFMAN3 | 1623 CAMINO DE SALMON ST CORONA, CA 92881 | AFLAC | $1K | — | $1K | 4.10% |
| ZACHARY ALAN SUMPTER3 | 29585 RAWLINGS WAY LAKE ELSINORE, CA 92530 | AFLAC | $751 | — | $751 | 2.79% |
| JANICE M ADAMSON3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $671 | — | $671 | 2.49% |
| RACHEL M GALVAN3 | 1340 W 31ST ST SAN BERNARDINO, CA 92405 | AFLAC | $647 | — | $647 | 2.40% |
| ZACHARY ALAN SUMPTER3 | 15902 ELLINGTON WAY CHINO HILLS, CA 91709 | AFLAC | $361 | — | $361 | 1.34% |
| TERRENCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $72 | — | $72 | 0.27% |
| JULIE L WOLD3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $66 | — | $66 | 0.25% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $34 | — | $34 | 0.13% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32550 | AFLAC | $23 | — | $23 | 0.09% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92686 | AFLAC | $22 | — | $22 | 0.08% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $15 | — | $15 | 0.06% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.02% |
| VANZANTEN INSURANCE SERVICES INC3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $6 | — | $6 | 0.02% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $3 | — | $3 | 0.01% |
| DAWN T SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $2 | — | $2 | 0.01% |
| JEFFREY T JOHNSON3 | 27321 PROVIDENT RD AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD BLACKSTONE3 | 6374 CHAFFEE ST VENTURA, CA 93003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $42 | $4K | 16.54% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $204 | $52 | $256 | 1.00% |
| FREDRICK D BRADFORD3 | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.16% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 302 | $167K |
| Dental | AETNA LIFE INSURANCE CO. | 302 | $167K |
| Vision | AETNA LIFE INSURANCE CO. | 302 | $167K |
| Other(3 contracts, 2 carriers) | AFLAC | 46 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.