| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $29K | — | $29K | 3.25% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 28202 CABOT ROAD, STE 600 LAGUNA NIGUEL, CA 92677 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $23K | — | $23K | 2.62% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $19K | $19K | 2.15% |
| EDWARD LEE3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 3.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC. 4371 LATHAM ST STE 101 RIVERSIDE, CA 925011731 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 2.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | INSURANCE SERVICES PO BOX 2158 RIVERSIDE, CA 925162158 | KAISER FOUNDATION HEALTH PLAN INC | — | $7 | $7 | 0.00% |
| EDWARD LEE3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 4371 LATHAM ST STE 101 RIVERSIDE, CA 925011731 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.65% |
| EDWARD LEE3 | 16835 W BERNARDO DR #212 SAN DIEGO, CA 92127 | AFLAC | $2K | — | $2K | 3.21% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $2K | $100 | $2K | 3.05% |
| BROOKE K FRAPWELL3 Filed as: BROOKE FRAPWELL | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $2K | $218 | $2K | 2.89% |
| MANDY L. LOUGHLIN3 Filed as: MANDY LOUGHLIN | 2355 MARSHALL WAY ALPINE, CA 91901 | AFLAC | $1K | $217 | $1K | 2.03% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $1K | $163 | $1K | 1.93% |
| CLINT D SALMON3 Filed as: CLINT SALMON | 34 DOWNFIELD WAY TRABUCO CANYON, CA 92679 | AFLAC | $411 | — | $411 | 0.61% |
| JENNIFER K BAKER3 Filed as: JENNIFER BAKER | 4162 ROCHESTER RD SAN DIEGO, CA 92116 | AFLAC | $382 | — | $382 | 0.57% |
| MICHAEL C WALKER3 Filed as: MICHAEL IVES | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $364 | $6 | $370 | 0.55% |
| PHYLLIS DEMETRI GUILLORY3 Filed as: PHYLLIS GUILLORY | 5116 FURLONG WAY ANTIOCH, CA 94531 | AFLAC | $311 | — | $311 | 0.46% |
| COLEEN HAGERTY ELKINS3 | 129 BIG BEND DRIVE WHITNEY, TX 76692 | AFLAC | $278 | — | $278 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $242 | — | $242 | 0.36% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $227 | — | $227 | 0.34% |
| PCS INSURANCE SERVICES INC3 | 2553 27TH STREET APT A SACRAMENTO, CA 95818 | AFLAC | $204 | — | $204 | 0.30% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $179 | — | $179 | 0.27% |
| CAROLE ANNE COURLANG3 Filed as: CAROLE COURLANG | 9767 CAMINITO DEL MARFIL SAN DIEGO, CA 92124 | AFLAC | $153 | — | $153 | 0.23% |
| PEGGY K SALMON3 Filed as: PEGGY SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $142 | — | $142 | 0.21% |
| LAUREN SMITH INSURANCE SERVICES INC3 | 4428 ARIZONA STREET 7 SAN DIEGO, CA 92116 | AFLAC | $130 | — | $130 | 0.19% |
| DANIEL H GRIFFIN3 Filed as: DANIEL GRIFFIN | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $128 | — | $128 | 0.19% |
| SAHAR QABAZARD3 | 541 ARTOLA ST LAS VEGAS, NV 89144 | AFLAC | $83 | — | $83 | 0.12% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $59 | — | $59 | 0.09% |
| SIMON B REYES3 Filed as: SIMON REYES | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $53 | — | $53 | 0.08% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN/ELT EMPLOYEE BENEFITS LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | AFLAC | $40 | — | $40 | 0.06% |
| KEVIN J SNIDER3 Filed as: KEVIN SNIDER | 36491 YAMAS DR APT 1610 WILDOMAR, CA 92595 | AFLAC | $37 | — | $37 | 0.05% |
| WILLIAM MARZOLF3 | 3647 TOPAWA DR LAS VEGAS, NV 89103 | AFLAC | $21 | $14 | $35 | 0.05% |
| JENNIFER L FOSS3 Filed as: JENNIFER FOSS | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $29 | — | $29 | 0.04% |
| JUSTIN M REYNOLDS3 Filed as: JUSTIN REYNOLDS | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $27 | — | $27 | 0.04% |
| ANNETTE BURNS3 | 27125 SIERRA HWY APT 308 SANTA CLARITA, CA 91351 | AFLAC | $24 | — | $24 | 0.04% |
| TIMOTHY HULL3 | 4187 SETTER CT MYRTLE BEACH, SC 29579 | AFLAC | $21 | — | $21 | 0.03% |
| KANDI M MCINTYRE3 Filed as: KANDI MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $18 | — | $18 | 0.03% |
| MONICA B SCHWARZBLATT3 Filed as: MONICA SCHWARZBLATT | 623 N CRESCENT DR BEVERLY HILLS, CA 90210 | AFLAC | $17 | — | $17 | 0.03% |
| LEE SILVER3 | 265 S OAKHURST DR BEVERLY HILLS, CA 90212 | AFLAC | $17 | — | $17 | 0.03% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | AFLAC | $16 | — | $16 | 0.02% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $6 | $9 | $15 | 0.02% |
| MIRIAM HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92629 | AFLAC | $11 | — | $11 | 0.02% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE ST STE 220 GRANADA HILLS, CA 91344 | AFLAC | $10 | — | $10 | 0.01% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $8 | — | $8 | 0.01% |
| RENE CASTRO3 | 2581 HILLCREST ST SIGNAL HILL, CA 90755 | AFLAC | $8 | — | $8 | 0.01% |
| COLLEEN LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $4 | $4 | $8 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $6 | — | $6 | 0.01% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.01% |
| RICHARD J KUNZ3 Filed as: RICHARD KUNZ | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $6 | — | $6 | 0.01% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVE STE 413 LA MESA, CA 91942 | AFLAC | $5 | — | $5 | 0.01% |
| VANZANTEN INSURANCE SERVICES INC3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $5 | — | $5 | 0.01% |
| JANET DUNGAN3 | 337 S ELM DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $5 | — | $5 | 0.01% |
| DANIEL MARTIN BREDESON3 Filed as: DANIEL BREDESON | 3220 S HIGUERA STREET SUITE 309 SAN LUIS OBISPO, CA 93401 | AFLAC | $4 | — | $4 | 0.01% |
| JON P BATES JR3 Filed as: JON BATES JR | 440 REGENTS PARK DR VALLEJO, CA 94591 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT C WAITE3 Filed as: ROBERT WAITE | 5924 BALFOUR CT STE 100 CARLSBAD, CA 92008 | AFLAC | $2 | — | $2 | 0.00% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $2 | — | $2 | 0.00% |
| G SCOTT COOKE3 Filed as: SCOTT BLACKSHEAR | 3453 CATHYRN DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL R. FISHER3 Filed as: MICHAEL FISHER | 3330 E FOOTHILL BLVD UNIT 448 PASADENA, CA 91107 | AFLAC | $1 | — | $1 | 0.00% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO PALOMINO | 830 BUSH STREET APT 505 SAN FRANCISCO, CA 94108 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS INC | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $823 | — | $823 | 1.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LL | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SER | 1903 WRIGHT PLACE SUITE 280 CARLSBAD, CA 92008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.98% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LL | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SER | 1903 WRIGHT PLACE SUITE 280 CARLSBAD, CA 92008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $945 | — | $945 | 6.80% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LL | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 8.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SER | 1903 WRIGHT PLACE SUITE 280 CARLSBAD, CA 92008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $139 | — | $139 | 6.79% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 110 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 110 | $892K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 110 | $892K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 56 | $81K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 19 | $18K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 8 | $42K |
| Other(3 contracts, 2 carriers) | AFLAC | 56 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.