| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 100312 PASADENA, CA 91189 | BLUE CROSS OF CALIFORNIA | $161K | $2K | $163K | 7.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 7910 NORTH INGRAM FRESNO, CA 93711 | BLUE CROSS OF CALIFORNIA | $62K | $0 | $62K | 2.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 21650 OXNARD STREET, SUITE 200 WOODLAND HILL, CA 91367 | BLUE CROSS OF CALIFORNIA | $0 | $39K | $39K | 1.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 180 NORTH STETSON AVENUE CHICAGO, IL 60601 | COMMUNITY INSURANCE COMPANY | $30K | $0 | $30K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | COMMUNITY INSURANCE COMPANY | $6K | $0 | $6K | 0.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $15K | 8.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $500 | $500 | 0.30% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 897 12TH STREET HAMMONTON, NJ 08037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 30.10% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MOUNT HERMON ROAD, SUITE 73B SALISBURY, MD 21804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 27.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | $0 | $256 | 0.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METLIFE LEGAL PLANS | $1K | $172 | $1K | 8.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $661 | $0 | $661 | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METLIFE LEGAL PLANS | $0 | $51 | $51 | 0.36% |
| MJ INSURANCE3 Filed as: DORA BOSTICK AND VARIOUS AGENTS | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $181 | $2 | $183 | 4.83% |
| OSCAR FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $128 | $14 | $142 | 3.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 71 BISHOP STREET SAN FRANCISCO, CA 94134 | AFLAC | $112 | — | $112 | 2.95% |
| CHRISTIAN JOSUE HI3 | 3222 EAST 6TH STREET LOS ANGELES, CA 90023 | AFLAC | $73 | $0 | $73 | 1.93% |
| ELIZABETH VANCE KENNEDY3 | PO BOX 351622 LOS ANGELES, CA 90035 | AFLAC | $54 | $0 | $54 | 1.42% |
| SABRINA CAMPAGNA3 | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $35 | $0 | $35 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $32 | $0 | $32 | 0.84% |
| MAXIMO CABRERA3 | 4353 WEST WHITEWATER AVENUE WESTON, FL 33332 | AFLAC | $188 | $0 | $188 | 6.49% |
| MARCO A ERAZO3 Filed as: MARCO A. ERAZO | 4160 SW 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $84 | $0 | $84 | 2.90% |
| TOMAS E FLORES3 Filed as: TOMAS E. FLORES | 1265 15TH STREET, APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $40 | $0 | $40 | 1.38% |
| MJ INSURANCE3 Filed as: LILY FREGOSO AND VARIOUS AGENTS | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $37 | $0 | $37 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $19 | $0 | $19 | 0.66% |
| TALLON AND ASSOCIATES INC3 Filed as: TALLON AND ASSOCIATES, INC. | PO BOX 30668 PALM BEACH GARDENS, FL 33420 | AFLAC | $11 | $0 | $11 | 0.38% |
| STEVEN R HANSON3 Filed as: STEVEN R. HANSON | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $8 | $0 | $8 | 0.28% |
| TINA LOUISE LARGER3 | 708 EAST 4TH STREET MINSTER, OH 45865 | AFLAC | $175 | $0 | $175 | 8.17% |
| OSCAR FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $52 | $0 | $52 | 2.43% |
| MICHAEL R MAGOTEAUX3 Filed as: MICHAEL R. MAGOTEAUX | 2250 CARDO ROAD FORT LORAMIE, OH 45845 | AFLAC | $42 | $0 | $42 | 1.96% |
| LEE ROY YOUNG ENTERPRISES3 Filed as: LEE ROY YOUNG ENTERPRISES, INC. | 6746 CARINTHIA DRIVE DAYTON, OH 45459 | AFLAC | $42 | $0 | $42 | 1.96% |
| STEVEN R HANSON3 Filed as: STEVEN R. HANSON AND OTHER AGENTS | 340 EAST SECOND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $38 | $0 | $38 | 1.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $28 | $0 | $28 | 1.31% |
| KYLE DUANE DAFLER3 | 2431 HAWKINS ROAD RICHMOND, IN 47374 | AFLAC | $18 | $0 | $18 | 0.84% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA LARA | 2735 WESTERN HILLS DRIVE D LANCASTER, TX 75146 | AFLAC | $61 | $0 | $61 | 4.35% |
| LINDA WILKINS3 | 103 KALMIA COURT ARLINGTON, TX 76018 | AFLAC | $56 | $0 | $56 | 3.99% |
| OSCAR FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $39 | $0 | $39 | 2.78% |
| PATRICIA R. ALDAPE AND OTHER AGENTS3 | PO BOX 181515 ARLINGTON, TX 76096 | AFLAC | $33 | $0 | $33 | 2.35% |
| ANGELIQUE N LILES3 Filed as: ANGELIQUE N. LILES | 3402 73RD STREET, UNIT E LUBBOCK, TX 79423 | AFLAC | $26 | $0 | $26 | 1.85% |
| SUZETTE GOULD3 | 1245 SOUTHRIDGE COURT, SUITE 107 HURST, TX 76053 | AFLAC | $22 | $0 | $22 | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $19 | $0 | $19 | 1.36% |
| ANGELA MONTENEGRO3 Filed as: ANGELA MONTENEGRO AND OTHER AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $29 | $0 | $29 | 2.47% |
| OSCAR FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $20 | $0 | $20 | 1.70% |
| JONATHAN TORRES3 | 60 US HIGHWAY 46 FAIRFIELD, NJ 07004 | AFLAC | $19 | $0 | $19 | 1.62% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL P. ZILINSKI | 271 US HIGHWAY 46, SUITE 0207 FAIRFIELD, NJ 07004 | AFLAC | $17 | $0 | $17 | 1.45% |
| LAUREN DEY3 | 40 CROSS ROAD, APARTMENT 78 MATAWAN, NJ 07747 | AFLAC | $10 | $0 | $10 | 0.85% |
| ALVARO JAVIER MONTENEGRO3 Filed as: ALVARO J. MONTENEGRO | 14 WALL STREET, 8TH FLOOR NEW YORK, NY 10005 | AFLAC | $8 | $0 | $8 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $3 | $0 | $3 | 0.26% |
| STEVEN R HANSON3 Filed as: STEVEN R. HANSON AND OTHER AGENTS | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $43 | $2 | $45 | 4.77% |
| OSCAR FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $25 | $14 | $39 | 4.13% |
| MARK K HASLEY3 Filed as: MARK K. HASLEY | 21732 NORTH 86TH DRIVE PEORIA, AZ 85382 | AFLAC | $27 | $0 | $27 | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $14 | $0 | $14 | 1.48% |
| JAMI GONZALEZ3 | 10224 NORTH 66TH DRIVE GLENDALE, AZ 85302 | AFLAC | $11 | $0 | $11 | 1.17% |
| DEANNA M LUJAN3 Filed as: DEANNA M. LUJAN | 921 WEST SAN MARCOS DRIVE CHANDLER, AZ 85225 | AFLAC | $9 | $0 | $9 | 0.95% |
| RYAN EDWARD HOOPER3 | 2659 EAST DESERT LANE GILBERT, AZ 85234 | AFLAC | $8 | $0 | $8 | 0.85% |
| NEENA W BEVERLY3 Filed as: NEENA W. BEVERLY | 1888 EAST 6400 SOUTH HOLLADAY, UT 84121 | AFLAC | $27 | $0 | $27 | 9.96% |
| CLINT WEIGHT3 | 745 SOUTH 180 WEST SALEM, UT 84653 | AFLAC | $19 | $0 | $19 | 7.01% |
| OSCAR FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $11 | $0 | $11 | 4.06% |
| CRICKET INSURANCE CORPORATION3 | 512 EAST FOXSTONE CV DRAPER, UT 84020 | AFLAC | $7 | $0 | $7 | 2.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2 | $0 | $2 | 0.74% |
| TYLER KOHLER3 Filed as: TYLER R. KOHLER | 1323 EAST BENT PINE CV DRAPER, UT 84020 | AFLAC | $1 | $0 | $1 | 0.37% |
| LILY FREGOSO3 | 3324 WEST VERDUGO AVENUE BURBANK, CA 91505 | AFLAC | $1 | $0 | $1 | 0.37% |
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 | 1,269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,816 | $3.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,816 | $2.3M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,816 | $2.3M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,816 | $2.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $166K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 422 | $166K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,816 | $3.7M |
| Other(10 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,816 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,816 | — |
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.