| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCHOR PACIFIC INSURANCE SERVICES3 Filed as: ANCHOR PACIFIC INS SERVICES INC | DBA STEPHANIE SAN ANTONIO 5205 AVE ENCINAS STE A CARLSBAD, CA 92008 | HEALTH NET | $15K | — | $15K | 3.78% |
| ANCHOR PACIFIC INSURANCE SERVICES3 | INC 5205 AVENIDA ENCINAS STE A CARLSBAD, CA 920084366 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $325 | $5K | 11.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $223 | $2K | 4.46% |
| JONATHAN ALI HAJIMOMEN3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $678 | $154 | $832 | 5.76% |
| LUZ CASTILLO BARRIGA3 Filed as: LUZ C BARRIGA | 22019 JUAN AVE HAWAIIAN GARDENS, CA 90716 | AFLAC | $456 | $148 | $604 | 4.18% |
| ANCHOR PACIFIC INSURANCE SERVICES3 Filed as: ANCHOR PACIFIC INS SERVICES INC | 7040 AVENIDA ENCINAS SUITE 104-340 CARLSBAD, CA 92011 | AFLAC | $270 | — | $270 | 1.87% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $178 | $62 | $240 | 1.66% |
| LISA A MONTEDORE3 | 15204 MERIWETHER WAY TUSTIN, CA 92782 | AFLAC | $91 | $69 | $160 | 1.11% |
| AURELIO VELA3 | 1561 E ORANGETHORPE AVENUE STE 200 FULLERTON, CA 92831 | AFLAC | $149 | — | $149 | 1.03% |
| ACRISURE LLC3 Filed as: SULLIVAN CURIS MONROE INS SVCS LLC | 1920 MAIN STREET SUITE 600 IRVINE, CA 92614 | AFLAC | $114 | — | $114 | 0.79% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $112 | — | $112 | 0.78% |
| STEPHANIE R SAN ANTONIO3 | 7040 AVENIDA ENCINAS SUITE 104-340 CARLSBAD, CA 92011 | AFLAC | $71 | — | $71 | 0.49% |
| ROSALIA M ORTEGA3 | 10103 GROVESIDE AVE WHITTIER, CA 90603 | AFLAC | $62 | — | $62 | 0.43% |
| AURELIO VELA3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $53 | — | $53 | 0.37% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $14 | — | $14 | 0.10% |
| ADRIAN V BARBOUR3 | 2507 E 15TH ST UNIT 203 LONG BEACH, CA 90804 | AFLAC | $10 | — | $10 | 0.07% |
| DANIEL G TABELLO3 | 1561 E ORANGE THORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $9 | — | $9 | 0.06% |
| DALE I DAVIS3 | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $5 | — | $5 | 0.03% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $5 | — | $5 | 0.03% |
| TERRANCE M LUCZAJ3 | 255 E RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $3 | — | $3 | 0.02% |
| JEFFREY T JOHNSON3 | 15590 SYRACUSE LN FONTONA, CA 92336 | AFLAC | $1 | — | $1 | 0.01% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $1 | — | $1 | 0.01% |
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 | 92 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 95 | $394K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $43K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $43K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 154 | $43K |
| Other | AFLAC | 35 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.