| 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 | $61K | $0 | $61K | 5.56% |
| CYNTHIA LUQUIN3 | UNKNOWN CHINO, CA 91710 | AFLAC | $3K | $88 | $3K | 4.70% |
| MJ INSURANCE3 Filed as: DAVID J. REESOR AND VARIOUS AGENTS | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $2K | $61 | $2K | 3.76% |
| NELLIE F. PRESTON3 | 1133 KWIS AVENUE HACIENDA HEIGHTS, CA 91745 | AFLAC | $1K | $87 | $1K | 2.22% |
| AMORELLI ROSEMANN & ASSOCIATES3 Filed as: AMORELLI ROSEMANN AND GRIFFIN | 3110 EAST GUASTI ROAD, SUITE 500 ONTARIO, CA 91761 | AFLAC | $803 | $0 | $803 | 1.33% |
| JOSEPH HOFFMAN3 | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $681 | $0 | $681 | 1.13% |
| GABRIEL R JAUREGUI3 Filed as: GABRIEL R. JUAREGUI | 7155 CEDAR CREEK ROAD CORONA, CA 92880 | AFLAC | $631 | $0 | $631 | 1.05% |
| DULCE MARIA MEXIA3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $415 | $0 | $415 | 0.69% |
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 | 261 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 254 | $1.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 254 | $1.1M |
| Vision | BLUE CROSS OF CALIFORNIA | 254 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 254 | $1.2M |
| Short-term disability | AFLAC | 99 | $60K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 254 | $1.1M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 254 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 254 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.