| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI, ROSEMANN AND GRIFFIN | 3110 EAST GUASTI ROAD, SUITE 500 ONTARIO, CA 91761 | BLUE CROSS OF CALIFORNIA | $50K | $0 | $50K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INSURANCE ADMIN. | 721 SOUTH PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $10K | $0 | $10K | 1.03% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI, ROSEMANN AND GRIFFIN | 3110 EAST GUASTI ROAD, SUITE 500 ONTARIO, CA 91761 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 6.13% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | UNKNOWN CHINO, CA 91710 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $10K | $10K | 5.16% |
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, SUITE 102 GLENDORA, CA 91741 | AFLAC | $4K | $113 | $4K | 5.20% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI, ROSEMANN & OTHER AGENTS | 3110 EAST GUASTI ROAD, SUITE 500 ONTARIO, CA 91761 | AFLAC | $3K | $41 | $3K | 4.08% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI, ROSEMANN AND GRIFFIN | 3333 CONCOURS, SUITE 9200 ONTARIO, CA 91764 | AFLAC | $2K | $0 | $2K | 2.51% |
| DULCE MARIA MEXIA3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $2K | $50 | $2K | 2.18% |
| NELLIE F. PRESTON3 | 1133 KWIS AVENUE HACIENDA HEIGHTS, CA 91745 | AFLAC | $1K | $58 | $1K | 1.83% |
| JOSEPH HOFFMAN3 | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $964 | $0 | $964 | 1.25% |
| GABRIEL R JAUREGUI3 Filed as: GABRIEL R. JAUREGUI | 7155 CEDAR CREEK ROAD CORONA, CA 92880 | AFLAC | $898 | $0 | $898 | 1.17% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 266 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 262 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $199K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $199K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $276K |
| Short-term disability | AFLAC | 123 | $77K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $199K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 262 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 293 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.