| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $47K | — | $47K | 3.22% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $15K | — | $15K | 1.04% |
| DEALER INSURANCE SERVICES, INC.3 | 23151 VERDUGO DR. STE. 111 LAGUNA HILLS, CA 92653 | AETNA HEALTH, INC. | $14K | — | $14K | 0.93% |
| SALLY SAADE-SPAIDE3 | 23151 VERDUGO DRIVE LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 6.48% |
| DEALER INSURANCE SERVICES, INC.3 | 23151 VERDUGO DR. STE. 111 LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.48% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $4K | $107 | $4K | 9.33% |
| GUINETH ANN REED3 | 2935 KILAINE DR SIMI VALLEY, CA 93063 | AFLAC | $737 | $21 | $758 | 1.83% |
| JOSEPH HOFFMAN3 | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $737 | — | $737 | 1.78% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $406 | — | $406 | 0.98% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | AFLAC | $288 | — | $288 | 0.70% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $275 | — | $275 | 0.67% |
| JAMIE AMSTUTZ3 | 3755 AVOCADO BLVD 180 LA MESA, CA 91941 | AFLAC | $241 | $21 | $262 | 0.63% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LN ANTIOCH, TN 37013 | AFLAC | $57 | — | $57 | 0.14% |
| THE HORTON GROUP3 Filed as: VERNA M HORTON | 2536 FOREST LK SANTA ANA, CA 92705 | AFLAC | $46 | — | $46 | 0.11% |
| JULIUS ROBERT BOTELHO3 | PO BOX 1675 INYOKERN, CA 93527 | AFLAC | $33 | — | $33 | 0.08% |
| GABRIEL R JAUREGUI3 | 7155 CEDAR CREEK RD CORONA, CA 92880 | AFLAC | $27 | — | $27 | 0.07% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $25 | — | $25 | 0.06% |
| JONATHAN ALI HAJIMOMEN3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $22 | — | $22 | 0.05% |
| HARRY H SONKE3 | 2258 BLACK OAK PL RIVERSIDE, CA 92506 | AFLAC | $20 | — | $20 | 0.05% |
| CHRISTOPHER L. TANG3 Filed as: CHRISTOPHER L TANG | 15155 LEFFINGWELL RD WHITTIER, CA 90604 | AFLAC | $20 | — | $20 | 0.05% |
| JESSICA RENEE GREENE3 Filed as: JESSICA R GREENE | 630 S INDIAN HILL BLVD STE 4 CLAREMONT, CA 91711 | AFLAC | $20 | — | $20 | 0.05% |
| TERRANCE M LUCZAJ3 | 29 CRESTVIEW DR RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $18 | — | $18 | 0.04% |
| DANIEL MARTIN BREDESON3 | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $18 | — | $18 | 0.04% |
| TOMMY C FLEESON3 | 3395 MICHELSON DR APT 5155 IRVINE, CA 92612 | AFLAC | $14 | — | $14 | 0.03% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $13 | — | $13 | 0.03% |
| MATTHEW D PAULUS3 | 100 TENNESSEE ST APT 1 REDLANDS, CA 92373 | AFLAC | $12 | — | $12 | 0.03% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $11 | — | $11 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $8 | — | $8 | 0.02% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $8 | — | $8 | 0.02% |
| MARK J WOOD3 | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $8 | — | $8 | 0.02% |
| NANCY L BOTELHO3 | PO BOX 1675 INYOKERN, CA 93527 | AFLAC | $6 | — | $6 | 0.01% |
| KEITH A LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 62822 | AFLAC | $5 | — | $5 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE H DICKERSON | PO BOX 8217 REDLANDS, CA 92375 | AFLAC | $5 | — | $5 | 0.01% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLSTON, CA 29412 | AFLAC | $5 | — | $5 | 0.01% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.01% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY T JOHNSON3 | 30766 MAINSMAST DR AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $1 | — | $1 | 0.00% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY T JOHNSON3 | 30766 MAINMAST DR AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| DEBRA J SUMPTER3 | PO BOX 9081 SAN BERNARDINO, CA 92427 | AFLAC | $5K | $221 | $5K | 13.36% |
| GUINETH ANN REED3 | 2935 KILAINE DR SIMI VALLEY, CA 93063 | AFLAC | $883 | $44 | $927 | 2.56% |
| JOSEPH HOFFMAN3 | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $548 | — | $548 | 1.52% |
| JAMIE AMSTUTZ3 | 3755 AVOCADO BLVD 180 LA MESA, CA 91941 | AFLAC | $458 | $44 | $502 | 1.39% |
| SAHAR QABAZARD3 | 3756 DEER TRAIL CT DANVILLE, CA 94506 | AFLAC | $405 | — | $405 | 1.12% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $266 | — | $266 | 0.74% |
| TERRANCE M LUCZAJ3 | 29 CRESTVIEW DR RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $48 | — | $48 | 0.13% |
| JULIE L WOLD3 | 7720 E MOONRIDGE LN ANAHEIM, CA 92808 | AFLAC | $24 | — | $24 | 0.07% |
| TOMMY C FLEESON3 | 3395 MICHELSON DR APT 5155 IRVINE, CA 92612 | AFLAC | $20 | — | $20 | 0.06% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $20 | — | $20 | 0.06% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, CA 29412 | AFLAC | $16 | — | $16 | 0.04% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $14 | — | $14 | 0.04% |
| RACHEL M GALVAN3 | 1340 W 31ST ST SAN BERNARDINO, CA 92405 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.02% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $6 | — | $6 | 0.02% |
| RICHARD BLACKSTONE3 | 6374 CHAFFEE ST VENTURA, CA 93003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 18.23% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $753 | $34 | $787 | 3.22% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $426 | $214 | $640 | 2.62% |
| LORI LAINE3 | 35837 CARTER ST YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $77 | $444 | 1.82% |
| FREDRICK D BRADFORD3 | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| TERIE D BRADFORD3 | 16057 OAKLEY RD. RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 308 | $160K |
| Dental | AETNA LIFE INSURANCE CO. | 308 | $160K |
| Vision | AETNA LIFE INSURANCE CO. | 308 | $160K |
| Life insurance(2 contracts) | AFLAC | 47 | $78K |
| Short-term disability(2 contracts) | AFLAC | 47 | $78K |
| Long-term disability | AFLAC | 47 | $41K |
| Other(3 contracts, 2 carriers) | AFLAC | 47 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.