| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | CALIFORNIACHOICE | $58K | — | $58K | 5.12% |
| AURELIO VELA INSURANCE SERVICES INC3 Filed as: AURELIO VELO | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $2K | $137 | $2K | 7.38% |
| NICKI TURNER3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $1K | $152 | $2K | 6.60% |
| MJ INSURANCE3 Filed as: JOSE PEREZ AND VARIOUS AGENTS | 2550 27TH STREET SACRAMENTO, CA 95818 | AFLAC | $951 | $24 | $975 | 4.19% |
| MITCHELL SOLOMON3 | 3404 ALPINE COURT ROCKLIN, CA 95765 | AFLAC | $592 | $1 | $593 | 2.55% |
| JONATHANHAJIMOMEN3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $487 | $48 | $535 | 2.30% |
| SERAPIO M. NAMBO3 Filed as: SERAPIO NAMBO | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $363 | $41 | $404 | 1.74% |
| KRISTEN BRUNZELL3 Filed as: KRISTEN M. BRUNZELL | 17291 IRVINE BOULEVARD SUITE 385 TUSTIN, CA 92780 | AFLAC | $363 | — | $363 | 1.56% |
| DIANA BUTTS3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | SAFEGUARD HEALTH PLANS, INC. | $2K | — | $2K | 10.83% |
| MARIBETH TENNISON3 | 3720 SOUTH SUSAN STREET SUITE 200 SANTA ANA, CA 92704 | SAFEGUARD HEALTH PLANS, INC. | $1K | — | $1K | 8.67% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 114 | $1.1M |
| Dental | SAFEGUARD HEALTH PLANS, INC. | 54 | $16K |
| Vision | SAFEGUARD HEALTH PLANS, INC. | 54 | $16K |
| Life insurance | CALIFORNIACHOICE | 114 | $1.1M |
| Short-term disability | AFLAC | 24 | $23K |
| Prescription drug | CALIFORNIACHOICE | 114 | $1.1M |
| Other(2 contracts, 2 carriers) | CALIFORNIACHOICE | 114 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.