| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD 5TH FLOOR CHICAGO, IL 60661 | BLUE CROSS OF CALIFORNIA | $68K | $0 | $68K | 5.74% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI ROSEMANN AND ASSOCIATES | 3110 EAST GUASTI ROAD, SUITE 500 ONTARIO, IL 91761 | BLUE CROSS OF CALIFORNIA | -$32 | $0 | -$32 | -0.00% |
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, 2ND FLOOR GLENDORA, CA 91784 | AFLAC | $4K | $77 | $4K | 5.26% |
| MJ INSURANCE3 Filed as: DULCE MEXIA AND VARIOUS AGENTS | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $3K | $55 | $3K | 4.08% |
| NELLIE F. PRESTON3 Filed as: NELLIE PRESTON | 1133 KWIS AVENUE HACIENDA HEIGHTS, CA 91745 | AFLAC | $1K | $16 | $1K | 1.77% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI ROSEMANN AND GRIFFIN | 3110 EAST GUASTI ROAD, SUITE 500 ONTARIO, CA 91761 | AFLAC | $1K | $0 | $1K | 1.39% |
| ALICIA HEREDIA3 | 17023 EAST BYGROVE STREET COVINA, CA 91722 | AFLAC | $764 | $74 | $838 | 1.09% |
| JOSEPH HOFFMAN3 | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $814 | $0 | $814 | 1.06% |
| GABRIEL R JAUREGUI3 Filed as: GABRIEL JUAREGUI | 7155 CEDAR CREEK ROAD CORONA, CA 92880 | AFLAC | $747 | $0 | $747 | 0.97% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 390 | $1.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 390 | $1.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 390 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 390 | $1.3M |
| Short-term disability | AFLAC | 104 | $77K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 390 | $1.2M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 390 | $1.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 390 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.