| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI ROSEMANN & GRIFFIN | 3333 E CONCOURSE BLDG. 9-200 ONTARIO, CA 91764 | BLUE CROSS OF CALIFORNIA | $50K | $0 | $50K | 4.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. | 721 S PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $10K | $0 | $10K | 0.86% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI, ROSEMANN & GRIFFIN INS. | 3110 E GUASTI RD #500 ONTARIO, CA 91761 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 7.01% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 6.50% |
| CYNTHIA LUQUIN3 | 2001 E FINANCIAL WAY SUITE 202 GLENDORA, CA 91741 | AFLAC | $2K | $140 | $2K | 3.34% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI ROSEMANN AND GRIFFIN | 3333 CONCOURSE SUITE 9200 ONTARIO, CA 91764 | AFLAC | $2K | $0 | $2K | 2.74% |
| JOSEPH HOFFMAN3 | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $953 | $0 | $953 | 1.42% |
| NELLIE F. PRESTON3 Filed as: NELLIE F PRESTON | 1133 KWIS AVE HACIENDA HEIGHTS, CA 91745 | AFLAC | $888 | $51 | $939 | 1.40% |
| GABRIEL R JAUREGUI3 | 7155 CEDAR CREEK RD CORONA, CA 92880 | AFLAC | $868 | $0 | $868 | 1.29% |
| EDUARDO LUQUIN3 | 548 TRIER AVE LA PUENTE, CA 91744 | AFLAC | $656 | $131 | $787 | 1.17% |
| DULCE MARIA MEXIA3 | 2220 E ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $626 | $28 | $654 | 0.97% |
| CYNTHIA LUQUIN3 | 2220 E ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $637 | $0 | $637 | 0.95% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $532 | $57 | $589 | 0.88% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $470 | $0 | $470 | 0.70% |
| DAVID J REESOR3 | 2220 E ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $233 | $0 | $233 | 0.35% |
| DAVID M COUGHLIN3 | 2229 WHITE MIST DR LAS VEGAS, NV 89134 | AFLAC | $181 | $0 | $181 | 0.27% |
| THOMPSON & ASSOCIATES INSURANCE INC3 Filed as: THOMPSON & ASSOCIATES INS. INC. | 2743 S SANDPIPER AVE ONTARIO, CA 91761 | AFLAC | $130 | $0 | $130 | 0.19% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $121 | $0 | $121 | 0.18% |
| LUZ FORERO3 | 2220 E ROUTE 66 SUITE 215 GLENDORA, CA 91740 | AFLAC | $120 | $0 | $120 | 0.18% |
| LUZ FORERO3 | 510 RIDGEFIELD DR. CLAREMONT, CA 91711 | AFLAC | $59 | $0 | $59 | 0.09% |
| TOMMY C FLEESON3 | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $46 | $0 | $46 | 0.07% |
| CHRIS FREITAG3 | 432 N PENNSYLVANIA AVE GLENDORA, CA 91741 | AFLAC | $46 | $0 | $46 | 0.07% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $33 | $0 | $33 | 0.05% |
| KIMBERLY O. KWOK3 Filed as: KIMBERLY O KWOK | 2044 COBBLEFIELD WAY GLENDORA, CA 91740 | AFLAC | $28 | $0 | $28 | 0.04% |
| TERRANCE M LUCZAJ3 | 29 CRESTVIEW DR RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $28 | $0 | $28 | 0.04% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $18 | $0 | $18 | 0.03% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 2211 MICHELSON DR SUITE 1150 IRVINE, CA 92612 | AFLAC | $17 | $0 | $17 | 0.03% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $11 | $0 | $11 | 0.02% |
| IOANNIS T GRATSINOPOULOS3 | 1893 E DAULBY ST MERIDIAN, ID 83642 | AFLAC | $7 | $0 | $7 | 0.01% |
| JEFFREY T JOHNSON3 | 30766 MAINMAST DR AGOURA HILLS, CA 91301 | AFLAC | $7 | $0 | $7 | 0.01% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $7 | $0 | $7 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | AFLAC | $5 | $0 | $5 | 0.01% |
| DALE I DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $4 | $0 | $4 | 0.01% |
| IOANNIS T GRATSINOPOULOS3 | 3565 SUMMERLINN DR WEST LINN, OR 97068 | AFLAC | $2 | $0 | $2 | 0.00% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $2 | $0 | $2 | 0.00% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $2 | $0 | $2 | 0.00% |
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 | 290 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 250 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $101K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $101K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $101K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $101K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.