| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 10531 4S COMMONS DR STE 166 516 SAN DIEGO, CA 92127 | BLUE CROSS OF CALIFORNIA | $251K | $107K | $358K | 4.61% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $34K | $2K | $36K | 5.44% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3130 S HARBOR BLVD STE 140 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.76% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.70% |
| HINDS FINANCIAL GROUP, INC.3 | 1818 SPRING ST PASO ROBLES, CA 93446 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 1.70% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY, 4TH FLOOR ALISO VIEJO, CA 92656 | GUARDIAN | $48K | — | $48K | 10.00% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $90 | $12K | 4.52% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3130 S HARBOR BLVD STE 140 SANTA ANA, CA 92704 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.53% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.48% |
| HINDS FINANCIAL GROUP, INC.3 | 1818 SPRING ST PASO ROBLES, CA 93446 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.48% |
| THERESA E GOMEZ3 | 9815 STEELHEAD RD PASO ROBLES, CA 93465 | AFLAC | $3K | $82 | $3K | 5.33% |
| KAREN A WILSON3 | PO BOX 886 TEMPLETON, CA 93465 | AFLAC | $2K | $302 | $2K | 3.28% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | AFLAC | $460 | $34 | $494 | 0.80% |
| DANIEL VORDALE INS SVCS INC3 | 712 MERCURY AVE LOMPOC, CA 93436 | AFLAC | $335 | $20 | $355 | 0.57% |
| CHRISTI DIGGS3 | 9156 W 102ND TER OVERLAND PARK, KS 66212 | AFLAC | $164 | — | $164 | 0.26% |
| SHANNON N SMITH3 | 1525 SE PICCADILLY ST BLUE SPRINGS, MO 64014 | AFLAC | $88 | — | $88 | 0.14% |
| THE MADRID AGENCY INC3 | 6282 DOUGLAS CT N CHAMPLIN, MN 55316 | AFLAC | $54 | — | $54 | 0.09% |
| LORI UNGER3 | 30 REDWOOD DR PAGOSA SPRINGS, CO 81147 | AFLAC | $45 | — | $45 | 0.07% |
| ANGELA M COOK3 | 400 N CORONADO ST APT 2108 CHANDLER, AZ 85224 | AFLAC | $41 | — | $41 | 0.07% |
| THEODORE DAVANTZIS3 | 1226 KAPAREIL LN PASO ROBLES, CA 93446 | AFLAC | $26 | — | $26 | 0.04% |
| AMY M BUCHANAN3 | 1584 RIDGE RD DURANGO, CO 81303 | AFLAC | $24 | — | $24 | 0.04% |
| ASPEN R LLC3 Filed as: ASPEN R MADRID | 4624 141ST LN NE HAM LAKE, MN 55304 | AFLAC | $24 | — | $24 | 0.04% |
| TIRZO A LOPEZ3 | 602 YELLOW MEADOW CT UNIT B BAKERSFIELD, CA 93308 | AFLAC | $19 | — | $19 | 0.03% |
| BENJAMIN C HENRY3 | 390 RIO LINDO AVE APT 77 CHICO, CA 95926 | AFLAC | $14 | — | $14 | 0.02% |
| PETER REGINELLI3 | 2 LARKSPUR LN CHICO, CA 95926 | AFLAC | $10 | — | $10 | 0.02% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS CONSULTANTS | 10653 W LEILANI DR BOISE, ID 83709 | AFLAC | $10 | — | $10 | 0.02% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $5 | — | $5 | 0.01% |
| RYAN OLSON3 Filed as: RYAN T OLSON | 1294 E 1ST AVE CHICO, CA 95926 | AFLAC | $5 | — | $5 | 0.01% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92629 | AFLAC | $3 | — | $3 | 0.00% |
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 | 1,588 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,998 | $8.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,998 | $7.8M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,998 | $7.8M |
| Life insurance | GUARDIAN | 1,528 | $477K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 1,528 | $539K |
| Long-term disability | GUARDIAN | 1,528 | $477K |
| Other | GUARDIAN | 1,528 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,998 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.