| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $54K | — | $54K | 4.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $14K | — | $14K | 1.03% |
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE SUITE 205 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 7.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.43% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $4K | $216 | $4K | 13.33% |
| JAMIE AMSTUTZ3 | 3755 AVOCADO BLVD 180 LA MESA, CA 91941 | AFLAC | $795 | $43 | $838 | 2.65% |
| JOSEPH HOFFMAN3 | 16301 BUTTERLFIELD RANCH RD UNIT 10203 CHINO HILLS, CA 91709 | AFLAC | $597 | — | $597 | 1.89% |
| GUINETH ANN REED3 | 3350 SHELBY ST STE 200 ONTARIO, CA 91764 | AFLAC | $365 | $43 | $408 | 1.29% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $306 | — | $306 | 0.97% |
| GUINETH ANN REED3 | 2935 KILAINE DR SIMI VALLEY, CA 93063 | AFLAC | $123 | — | $123 | 0.39% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, CA 29412 | AFLAC | $65 | — | $65 | 0.21% |
| JULIE L WOLD3 | 7720 E MOONRIDGE LN ANAHEIM, CA 92808 | AFLAC | $61 | — | $61 | 0.19% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32550 | AFLAC | $21 | — | $21 | 0.07% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $20 | — | $20 | 0.06% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $14 | — | $14 | 0.04% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.02% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $3 | — | $3 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | AFLAC | $1 | — | $1 | 0.00% |
| VANZANTEN INSURANCE SERVICES INC3 | 33530 PAUBA RD TEMECULA, CA 92592 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY T JOHNSON3 | 30766 MAINMAST DR AGOURA, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $3K | $101 | $3K | 9.40% |
| JOSEPH HOFFMAN3 | 16301 BUTTERLFIELD RANCH RD UNIT 10203 CHINO HILLS, CA 91709 | AFLAC | $653 | — | $653 | 2.11% |
| JAMIE AMSTUTZ3 | 3755 AVOCADO BLVD 180 LA MESA, CA 91941 | AFLAC | $439 | $20 | $459 | 1.48% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $357 | — | $357 | 1.15% |
| GUINETH ANN REED3 | 3350 SHELBY ST. STE 200 ONTARIO, CA 91764 | AFLAC | $295 | $20 | $315 | 1.02% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE. GLENDORA, CA 91741 | AFLAC | $236 | — | $236 | 0.76% |
| GUINETH ANN REED3 | 2935 KILAINE DR SIMI VALLEY, CA 93063 | AFLAC | $131 | — | $131 | 0.42% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 120 PROVIDENCE TRL APT 1200 MT JULIET, TN 37122 | AFLAC | $48 | — | $48 | 0.16% |
| GABRIEL R JAUREGUI3 | 7155 CEDAR CREEK RD CORONA, CA 92880 | AFLAC | $30 | — | $30 | 0.10% |
| HARRY H SONKE3 | 5432 DEVERON CT RIVERSIDE, CO 92507 | AFLAC | $22 | — | $22 | 0.07% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, CA 29412 | AFLAC | $21 | — | $21 | 0.07% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $17 | — | $17 | 0.05% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $13 | — | $13 | 0.04% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $12 | — | $12 | 0.04% |
| MARTY J SONKE3 | 5432 DEVERSON CT STE 150 RIVERSIDE, CA 92507 | AFLAC | $7 | — | $7 | 0.02% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $7 | — | $7 | 0.02% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.02% |
| KEITH A LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 62822 | AFLAC | $7 | — | $7 | 0.02% |
| MARK J WOOD3 | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $7 | — | $7 | 0.02% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE H DICKERSON | 34400 GLENDWOOD DR APT 1 YUCAIPA, CA 92399 | AFLAC | $4 | — | $4 | 0.01% |
| MATTHEW D PAULUS3 | 100 TENNESSEE ST APT 1 REDLANDS, CA 92373 | AFLAC | $3 | — | $3 | 0.01% |
| JEFFREY T JOHNSON3 | 30766 MAINSMAST DR AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD BLACKSTONE3 | 6374 CHAFFEE ST VENTURA, CA 93003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 19.60% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $21 | $192 | 1.16% |
| FREDRICK D BRADFORD3 | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.11% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 279 | $153K |
| Dental | AETNA LIFE INSURANCE CO. | 279 | $153K |
| Vision | AETNA LIFE INSURANCE CO. | 279 | $153K |
| Other(3 contracts, 2 carriers) | AFLAC | 39 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.