| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS SERVICE | $40K | $0 | $40K | 2.85% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CALIFORNIA PHYSICIANS SERVICE | $33K | $0 | $33K | 2.31% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SVCS., LLC | 1600 WEST HILLSDALE BAULVARD SUITE 201 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | $14K | $0 | $14K | 0.98% |
| UNKNOWN3 | UNKNOWN SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.71% |
| SUNRISE BENEFITS & INS. SVCS., INC.3 | 5432 ADOBE FALLS ROAD, UNIT 10 SAN DIEGO, CA 92120 | AFLAC | $2K | $110 | $2K | 11.42% |
| CLIFTON STEWART3 | 9820 SYDNEY LANE, APARTMENT 37112 SAN DIEGO, CA 92126 | AFLAC | $470 | $21 | $491 | 2.53% |
| KEN MAJOR3 | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $235 | $21 | $256 | 1.32% |
| MYKISHA L. THOMAS3 Filed as: MYKISHA BUTLER | 3886 3RD AVENUE LOS ANGELES, CA 90008 | AFLAC | $185 | $0 | $185 | 0.95% |
| AMANDA HUERTA3 | 10890 LAMENTIN COURT SAN DIEGO, CA 92124 | AFLAC | $144 | $0 | $144 | 0.74% |
| DONALD R RAJALA3 Filed as: DONALD RAJALA | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $63 | $0 | $63 | 0.32% |
| EDWARD ANDERSON JR3 Filed as: EDWARD ANDERSON JR & OTHER AGENTS | 10003 RIDER COURT HAGERSTOWN, MD 21015 | AFLAC | $41 | $0 | $41 | 0.21% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 178 | $1.4M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 178 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $290K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $290K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $290K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $290K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 178 | $1.4M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 104 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.