| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 327505069 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 6.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE CALIFORNIA | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752511814 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 6200 CANOGA AVENUE # 300 WOODLAND HILLS, CA 91367 | UNITED HEALTHCARE INSURANCE COMPANY | — | $397 | $397 | 0.04% |
| MJR INSURANCE SERVICES LLC3 | 5444 SEPULVEDA BOULEVARD, APT 106 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $32 | $2K | 2.76% |
| WILLIAM ANDREWS3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $721 | — | $721 | 1.30% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $428 | $27 | $455 | 0.82% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $399 | — | $399 | 0.72% |
| JAMES F SCHLERNITZAUER3 Filed as: JAMES F. SCHLERNITZAUER | 1175 GEER ROAD, SUITE D TURTLEROCK, CA 95380 | AFLAC | $302 | — | $302 | 0.54% |
| GUSTAVO ADOLFO MENDOZA3 | 2261 ELECTRA AVENUE SIMI VALLEY, CA 93065 | AFLAC | $204 | $60 | $264 | 0.47% |
| MICHAEL JOHN RINKE3 | 5444 SEPULVEDA BOULEVARD, APT 106 CAMARILLO, CA 93011 | AFLAC | $207 | $18 | $225 | 0.40% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $211 | — | $211 | 0.38% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH CO INSURANCE SERVICES | 1 PARK PLAZA, SUITE 400 IRVINE, CA 92614 | AFLAC | $166 | — | $166 | 0.30% |
| BRENDA R. MATUTE3 | 13000 DRONFIELD AVENUE, APT. 206 SYLMAR, CA 91342 | AFLAC | $145 | — | $145 | 0.26% |
| GUSTAVO ARRIAGA II3 | 320 W. CORK TREE DRIVE ORANGE, CA 92865 | AFLAC | $113 | — | $113 | 0.20% |
| LILY YAN3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $109 | — | $109 | 0.20% |
| FRANCISCO MALDONADO3 | 1242 TULLOCH DRIVE TRACY, CA 95304 | AFLAC | $88 | — | $88 | 0.16% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $85 | — | $85 | 0.15% |
| ELVA E. ESCOBAR3 | 16242 CALAHAN STREET NORTH HILLS, CA 91343 | AFLAC | $81 | — | $81 | 0.15% |
| STEVE CRAIG GOLDSTEIN3 | 6255 VENTURA CANYON AVENUE VAN NUYS, CA 91401 | AFLAC | $79 | — | $79 | 0.14% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | AFLAC | $75 | — | $75 | 0.13% |
| PATTY J NATIONS3 | 7850 N. SILVERBELL ROAD, #114-310 TUCSON, AZ 85743 | AFLAC | $67 | — | $67 | 0.12% |
| SHAMIRAN YOHANNA3 | 9004 E. ASTER DRIVE SCOTTSDALE, AZ 85260 | AFLAC | $43 | — | $43 | 0.08% |
| SCOTT ALEXANDER3 | 28043 PARKRIDGE LANE CANYON COUNTRY, CA 91387 | AFLAC | $41 | — | $41 | 0.07% |
| CASSANDRA M MACKENZIE3 | 2330 1ST AVENUE SAN DIEGO, CA 92101 | AFLAC | $39 | — | $39 | 0.07% |
| ANDREA SILVA-MUNOZ3 | 20705 DOT STREET SANTA CLARITA, CA 91350 | AFLAC | $37 | — | $37 | 0.07% |
| MARK K HASLEY3 Filed as: MARK K. HASLEY | 20905 W. COURT STREET BUCKEYE, AZ 85396 | AFLAC | $36 | — | $36 | 0.06% |
| BRENDAN W DEASY3 Filed as: BRENDAN W. DEASY | PO BOX 278 CHINO, CA 91708 | AFLAC | $30 | — | $30 | 0.05% |
| MICHAEL BREITNER3 | 2518 1/2 W CLARK AVENUE BURBANK, CA 91505 | AFLAC | $27 | — | $27 | 0.05% |
| RAKY INSURANCE AGENCY3 | 3944 MURPHY CANYON ROAD SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $27 | — | $27 | 0.05% |
| WALTER O. PECCORINI3 | 708 W. SWAIN ROAD STOCKTON, CA 95207 | AFLAC | $26 | — | $26 | 0.05% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $26 | — | $26 | 0.05% |
| DENISE JANE FORCONI3 | 5065 E. MAZATZAL DRIVE CAVE CREEK, AZ 85331 | AFLAC | $25 | — | $25 | 0.04% |
| TOUCH KEO3 | 1936 CAPE ANN PLACE SAN JOSE, CA 95133 | AFLAC | $25 | — | $25 | 0.04% |
| ROSARIO RONQUILLO3 | 478 PAGODA TER FREMONT, CA 94539 | AFLAC | $21 | — | $21 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL A. STACHOWIAK | 321 N. CLARK STREET, SUITE 615 CHICAGO, IL 60654 | AFLAC | $20 | — | $20 | 0.04% |
| BRIAN GEORGE JAEGGI3 | 2875 NW 28TH STREET BOCA RATON, FL 33434 | AFLAC | $20 | — | $20 | 0.04% |
| L MATTHEW SPALDING3 Filed as: L. MATTHEW SPALDING | 847 N. HOLLYWOOD WAY, SUITE 204 BURBANK, CA 91505 | AFLAC | $19 | — | $19 | 0.03% |
| ZAKERY ALLEN HARLOW3 | 2030 W. BASELINE ROAD SUITE 182-17062 PHOENIX, AZ 85041 | AFLAC | $18 | — | $18 | 0.03% |
| ARMANDO ROMERO3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $18 | — | $18 | 0.03% |
| NANETTE STARK3 | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $17 | — | $17 | 0.03% |
| THE JACOBI GROUP LLC3 | PO BOX 72105 PHOENIX, AZ 85050 | AFLAC | $16 | — | $16 | 0.03% |
| SERAPIO M. NAMBO3 | 2175 57TH AVENUE SACRAMENTO, CA 95822 | AFLAC | $15 | — | $15 | 0.03% |
| CLAUDIA S. CHAMORRO3 | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $15 | — | $15 | 0.03% |
| JOHN KUNZ3 Filed as: JOHN M. KUNZ | 17300 N DALLAS PKWY, SUITE 1045 ADDISON, TX 75248 | AFLAC | $14 | — | $14 | 0.03% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AFLAC | $14 | — | $14 | 0.03% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BOULEVARD OAK PARK, IL 60302 | AFLAC | $12 | — | $12 | 0.02% |
| JEFFERY S GIBSON3 Filed as: JEFFERY S. GIBSON | 4030 TATES CREEK ROAD, APT 1004 LEXINGTON, KY 40517 | AFLAC | $12 | — | $12 | 0.02% |
| LABAN MATTHEW SPALDING3 Filed as: LABAN MATHHEW SPALDING | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $11 | — | $11 | 0.02% |
| MARK LEVINE3 | 10062 GERALD AVENUE NORTH HILLS, CA 91343 | AFLAC | $9 | — | $9 | 0.02% |
| ENRIQUE OSUNA3 | 6720 CASE AVENUE NORTH HOLLYWOOD, CA 91606 | AFLAC | $9 | — | $9 | 0.02% |
| MARIA MULLIGAN3 | 2330 SNEAD DRIVE OCEANSIDE, CA 92056 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT WEBB3 | 26729 N. 91ST DRIVE PEORIA, AZ 85383 | AFLAC | $7 | — | $7 | 0.01% |
| LANCE WALUSKO3 | 3903 STORY RAOD DENAIR, CA 95316 | AFLAC | $6 | — | $6 | 0.01% |
| NICOLE LYNN RIHANEK3 | 1205 6TH AVENUE E, APT 4312 BRADENTON, FL 34208 | AFLAC | $6 | — | $6 | 0.01% |
| JACQUELINE VEGA3 | 9406 SWINTON AVENUE NORTH HILLS, CA 91343 | AFLAC | $6 | — | $6 | 0.01% |
| JAMIE R WALLACE3 Filed as: JAMIE R. WALLACE | 1 WILDGOOSE LANE SAVANNAH, GA 31411 | AFLAC | $5 | — | $5 | 0.01% |
| SHAMIRAN YOHANNA3 | 14145 N. 92ND STREET, UNIT 1066 SCOTTSDALE, AZ 85260 | AFLAC | $4 | — | $4 | 0.01% |
| REGINALD QUEEN3 | 50 W. LEMON AVENUE MONROVIA, CA 91016 | AFLAC | $4 | — | $4 | 0.01% |
| BRANDON M. CROTHERS3 | 1804 MCKEE STREET, UNIT B1 SAN DIEGO, CA 92110 | AFLAC | $4 | — | $4 | 0.01% |
| RAYMOND J. MULLIGAN3 | 8765 W. KELTON LANE, BLDG B1 PEORIA, AZ 85382 | AFLAC | $4 | — | $4 | 0.01% |
| APRIL L FARRELL3 Filed as: APRIL L. FARRELL | 1910 S. STAPLEY DRIVE, SUITE 221 MESA, AZ 85204 | AFLAC | $3 | — | $3 | 0.01% |
| GEORGE PADRON3 | 11 S. CENTRAL AVENUE, #2115 PHOENIX, AZ 85004 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY S. GIBSON | 4030 TATES CREEK ROAD, APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL G. GLADNICK | 3850 E. BASELINE ROAD, SUITE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.00% |
| MICAHEL G. RYAN3 | PO BOX 60 CHROMO, CO 81128 | AFLAC | $1 | — | $1 | 0.00% |
| NATALIE MALHAM3 | 5822 N. 13TH STREET PHOENIX, AZ 85014 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 8337 W. SUNSET ROAD, SUITE 290 LAS VEGAS, NV 89113 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 13.74% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $918K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $918K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $918K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 290 | $30K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 290 | $30K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 273 | $918K |
| Other(2 contracts, 2 carriers) | AFLAC | 290 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.