| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN & HALL | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | CALIFORNIACHOICE | $26K | $0 | $26K | 2.79% |
| NELLA INSURANCE SERVICES3 | 21031 VENTURA BOULEVARD SUITE 512 WOODLAND HILLS, CA 91364 | CALIFORNIACHOICE | $21K | $0 | $21K | 2.21% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | UNKNOWN LOS ANGELES, CA 90007 | CALIFORNIACHOICE | $18K | $0 | $18K | 1.88% |
| COREY WRIGHT3 | 2721 WEST 85TH STREET INGLEWOOD, CA 90305 | AFLAC | $28K | $2K | $29K | 20.02% |
| NFB INC3 | 4328 PALMERO BOULEVARD LOS ANGELES, CA 90008 | AFLAC | $25K | $0 | $25K | 16.68% |
| DINA RODRIGUEZ AND OTHER AGENTS3 | 3720 DOT STREET SANTA CLARITA, CA 90018 | AFLAC | $10K | $8 | $10K | 6.70% |
| JEREMY M EANES3 | 21729 EAST MERCER PLACE AURORA, CO 80018 | AFLAC | $6K | $402 | $6K | 4.39% |
| JENNAH MARYAM MUHAMMAD3 | 20321 CARON CIRCLE CARSON, CA 90746 | AFLAC | $6K | $0 | $6K | 4.28% |
| RENEE SUZANNE CORSO3 | 16000 VENTURA BOULEVARD SUITE 1120 ENCINO, CA 91436 | AFLAC | $4K | $2K | $6K | 4.12% |
| ZICOR GROUP INC3 | 1445 NORTH ALIVE AVENUE RIALTO, CA 92376 | AFLAC | $4K | $0 | $4K | 2.74% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL INC. | 115 OFFICE PARK DRIVE SUITE 200 BIRMINGHAM, AL 35223 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $872 | $0 | $872 | 4.89% |
| NELLA INSURANCE SERVICES3 | 21031 VENTURA BOULEVARD SUITE 512 WOODLAND HILLS, CA 91364 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $756 | $0 | $756 | 4.24% |
| NELLA INSURANCE SERVICES3 | 21031 VENTURA BOULEVARD SUITE 512 WOODLAND HILLS, CA 91367 | DENTAL HEALTH SERVICES | $560 | $0 | $560 | — |
| COBBS ALLEN & HALL INC3 Filed as: COBBS, ALLEN & HALL, INC. | 115 OFFICE PARK DRIVE BIRMINGHAM, AL 35223 | DENTAL HEALTH SERVICES | $425 | $0 | $425 | — |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 126 | $942K |
| Dental | DENTAL HEALTH SERVICES | 54 | $0 |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 252 | $18K |
| Life insurance | AFLAC | 262 | $147K |
| Other | AFLAC | 262 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
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.