| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $49K | — | $49K | 3.77% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $12K | — | $12K | 0.94% |
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 6.79% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.28% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $3K | $50 | $3K | 8.29% |
| JOSEPH HOFFMAN3 | 1623 CAMINO DE SALMON ST CORONA, CA 92881 | AFLAC | $796 | $20 | $816 | 2.41% |
| JANICE ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $453 | $20 | $473 | 1.39% |
| GUINETH ANN REED3 Filed as: GUINETH REED | 3350 SHELBY ST STE 200 ONTARIO, CA 91764 | AFLAC | $394 | — | $394 | 1.16% |
| JAMIE AMSTUTZ3 | 3755 AVOCADO BLVD 180 LA MESA, CA 91941 | AFLAC | $281 | — | $281 | 0.83% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $259 | — | $259 | 0.76% |
| ZACHARY ALAN SUMPTER3 Filed as: ZACHARY SUMPTER | 15902 ELLINGTON WAY CHINO HILLS, CA 91709 | AFLAC | $49 | $28 | $77 | 0.23% |
| SHANE DAVISON3 | 120 PROVIDENCE TRL APT 1200 MT JULIET, TN 37122 | AFLAC | $52 | — | $52 | 0.15% |
| HARRY H SONKE3 Filed as: HARRY SONKE | 5432 DEVERON CT RIVERSIDE, CA 92507 | AFLAC | $49 | — | $49 | 0.14% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $46 | — | $46 | 0.14% |
| GABRIEL R JAUREGUI3 Filed as: GABRIEL JAUREGUI | 7155 CEDAR CREEK RD CORONA, CA 92880 | AFLAC | $40 | — | $40 | 0.12% |
| MARTY J SONKE3 Filed as: MARTY SONKE | 5432 DEVERON CT RIVERSIDE, CA 92507 | AFLAC | $22 | — | $22 | 0.06% |
| KEITH LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 92822 | AFLAC | $16 | — | $16 | 0.05% |
| TOMMY C FLEESON3 Filed as: TOMMY FLEESON | 1300 SHETTER AVE APT 1041 APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $16 | — | $16 | 0.05% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $14 | — | $14 | 0.04% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $11 | — | $11 | 0.03% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $9 | — | $9 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 STE 150 CARLSBAD, CA 92011 | AFLAC | $9 | — | $9 | 0.03% |
| MARK J WOOD3 Filed as: MARK WOOD | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $9 | — | $9 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE DICKERSON | 34400 GLENWOOD DR YUCAIPA, CA 92399 | AFLAC | $4 | — | $4 | 0.01% |
| MATHEW PAULUS3 | 100 TENNESSEE ST APT 1 APT 1 REDLANDS, CA 92373 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY T JOHNSON3 Filed as: JEFFREY JOHNSON | 27321 PROVIDENT RD AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $3K | $63 | $3K | 13.78% |
| JOSEPH HOFFMAN3 | 1623 CAMINO DE SALMON ST CORONA, CA 92881 | AFLAC | $497 | — | $497 | 2.40% |
| JAMIE AMSTUTZ3 | 3755 AVOCADO BLVD 180 LA MESA, CA 91941 | AFLAC | $431 | — | $431 | 2.08% |
| GUINETH ANN REED3 | 3350 SHELBY ST STE 200 ONTARIO, CA 91764 | AFLAC | $271 | — | $271 | 1.31% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $242 | $13 | $255 | 1.23% |
| JULIE L WOLD3 | 7720 E MOONRIDGE LN ANAHEIM, CA 92808 | AFLAC | $56 | $13 | $69 | 0.33% |
| TERRENCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, CA 29412 | AFLAC | $49 | — | $49 | 0.24% |
| JANICE M ADAMSON3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $38 | — | $38 | 0.18% |
| JULIE L WOLD3 | 495 E RINCON ST STE 212 CORONA, CA 92879 | AFLAC | $24 | — | $24 | 0.12% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32550 | AFLAC | $16 | — | $16 | 0.08% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $15 | — | $15 | 0.07% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $11 | — | $11 | 0.05% |
| ZACHARY ALAN SUMPTER3 | 15902 ELLIGTON WAY CHINO HILLS, CA 91709 | AFLAC | $10 | — | $10 | 0.05% |
| RACHEL M GALVAN3 | 1340 W 31ST ST SAN BERNARDINO, CA 92405 | AFLAC | $8 | — | $8 | 0.04% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.02% |
| VANZANTEN INSURANCE SERVICES INC3 | 33530 PAUBA RD TEMECULA, CA 92592 | AFLAC | $4 | — | $4 | 0.02% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $1 | — | $1 | 0.00% |
| 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 | $701 | — | $701 | 4.93% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.26% |
| FREDRICK D BRADFORD3 | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.15% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 277 | $181K |
| Dental | AETNA LIFE INSURANCE CO. | 277 | $181K |
| Vision | AETNA LIFE INSURANCE CO. | 277 | $181K |
| Other(3 contracts, 2 carriers) | AFLAC | 42 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.