| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | CALIFORNIACHOICE | $70K | — | $70K | 5.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 16.67% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.48% |
| AURELIO VELA INSURANCE SERVICES INC3 Filed as: AURELIO VELO INSURANCE SVCS., INC. | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $393 | $55 | $448 | 4.27% |
| KRISTEN BRUNZELL3 | 340 EAST FIRST STREET, SUITE 3746 TUSTIN, CA 92781 | AFLAC | $225 | — | $225 | 2.14% |
| NICKI TURNER3 Filed as: NICKI LYN TURNER | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $177 | — | $177 | 1.69% |
| MJ INSURANCE3 Filed as: SERAPIO M. NAMBO AND VARIOUS AGENTS | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $162 | — | $162 | 1.54% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $105 | $9 | $114 | 1.09% |
| LISA A MONTEDORE3 Filed as: LISA A. MONTEDORE | 26325 CANNES CIRCLE MISSION VIEJO, CA 92692 | AFLAC | $49 | — | $49 | 0.47% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $49 | — | $49 | 0.47% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 119 | $1.4M |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 116 | $36K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 116 | $36K |
| Life insurance | CALIFORNIACHOICE | 119 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 116 | $46K |
| Prescription drug | CALIFORNIACHOICE | 119 | $1.4M |
| Other(3 contracts, 3 carriers) | CALIFORNIACHOICE | 119 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.