| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | $58K | $750 | $59K | 5.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | GUARDIAN | $9K | $3K | $12K | 12.87% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 SUITE 1200 CONSHOHOCKEN, PA 19428 | AFLAC | $2K | $0 | $2K | 6.24% |
| VERONICA RINCON3 | 2018 S WOODLAND PL SANTA ANA, CA 92707 | AFLAC | $1K | $286 | $2K | 4.61% |
| DANIEL TYLER ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $1K | $94 | $1K | 4.11% |
| JONATHAN ALI HAJIMOMEN3 | 5752 WHISTLER CIR HUNTINGTON BEACH, CA 92649 | AFLAC | $457 | $67 | $524 | 1.44% |
| SIMA REID3 Filed as: SIMA B REID | 10805 HOLDER STREET SUITE 245 CYPRESS, CA 90630 | AFLAC | $168 | $0 | $168 | 0.46% |
| ALEXANDER ANTHONY NAVES3 | 1670 W BROADWAY APT 13D ANAHEIM, CA 92802 | AFLAC | $139 | $0 | $139 | 0.38% |
| YOLANDA DUARTE3 | 9444 BARKERVILLE AVE WHITTIER, CA 90605 | AFLAC | $111 | $0 | $111 | 0.31% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $65 | $0 | $65 | 0.18% |
| JOY E GUNDERSON3 | 2824 SAINT ANDREWS RD FAIRFIELD, CA 94534 | AFLAC | $50 | $0 | $50 | 0.14% |
| SANDRA R ROKOP3 | 36471 ROYAL SAGE CT PALM DESERT, CA 92211 | AFLAC | $42 | $0 | $42 | 0.12% |
| EVELYN ARAIZA3 | 1726 W 15TH STREET SANTA ANA, CA 92706 | AFLAC | $39 | $0 | $39 | 0.11% |
| DALE HAREWOOD3 | 7995 RETRIEVER STREET CORONA, CA 92880 | AFLAC | $25 | $0 | $25 | 0.07% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $24 | $0 | $24 | 0.07% |
| PHILLIP S GLEASON3 | 1234 N LA BREA AVE APT 330 WEST HOLLYWOOD, CA 90038 | AFLAC | $15 | $0 | $15 | 0.04% |
| MARIA RUVALCABA3 | 8020 DANBY AVE WHITTIER, CA 90606 | AFLAC | $6 | $0 | $6 | 0.02% |
| EDWIN R. URIOSTE3 Filed as: EDWIN R URIOSTE | 22359 SUMMER HOLLY AVE MORENO VALLEY, CA 92553 | AFLAC | $5 | $0 | $5 | 0.01% |
| CLARK FRANK HYMAN3 | 2425 VIA MERO SAN CLEMENTE, CA 92673 | AFLAC | $4 | $0 | $4 | 0.01% |
| MARIAN E LENCIONI3 | 30065 WILDWOOD PL SAND SPRINGS, OK 74063 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $306 | $306 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $254 | $254 | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $896 | $0 | $896 | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $23 | $23 | 0.38% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 158 | $1.1M |
| Dental | GUARDIAN | 165 | $95K |
| Vision | GUARDIAN | 165 | $95K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $20K |
| Short-term disability | AFLAC | 49 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.