| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | $8K | $55K | $63K | 3.33% |
| IMA, INC.3 | 1550 17TH ST. SUITE 600 DENVER, CO 80202 | CALIFORNIA PHYSICIANS' SERVICE | $5K | $36K | $41K | 2.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. | 701 S. PARKER ST. 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS' SERVICE | $37K | $2K | $39K | 2.06% |
| IMA, INC.3 | 1550 17TH ST. SUITE 600 DENVER, CO 80202 | CALIFORNIA PHYSICIANS' SERVICE | — | $1K | $1K | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. | 701 S. PARKER ST. 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS' SERVICE | — | $75 | $75 | 0.00% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 7.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.80% |
| KATHY DUFFY INSURANCE SERVICES3 | 10442 ORMOND ST. SHADOW HILLS, CA 91040 | AFLAC | $12K | $1K | $13K | 11.83% |
| KEVIN NAGLE3 | 32 ESPERANZA AVE. APT. F SIERRA MADRE, CA 91024 | AFLAC | $3K | $191 | $3K | 2.70% |
| ANDRES ORLANDO TRUJILLO3 Filed as: ANDRES TRUJILLO | 205 S. BROADWAY SUITE 206 LOS ANGELES, CA 90012 | AFLAC | $2K | $191 | $2K | 1.84% |
| MICHELLE C. LEE3 Filed as: MICHELLE LEE | 1044 LOMA LISA LANE ARCADIA, CA 91006 | AFLAC | $1K | — | $1K | 1.25% |
| IMA, INC.3 Filed as: IMA,INC. | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AFLAC | $476 | — | $476 | 0.45% |
| MICHAEL R. FISHER3 Filed as: MICHAEL FISHER | 50 W. LEMON AVE. SUITE 2 MONROVIA, CA 91016 | AFLAC | $257 | — | $257 | 0.24% |
| CHRISTOPHER L. TANG3 Filed as: CHRISTOPHER TANG | 15155 LEFFINGWELL RD. WHITTIER, CA 90604 | AFLAC | $250 | — | $250 | 0.23% |
| DANIEL E ELLIS3 Filed as: DANIEL ELLIS | 313 N. KENILWORTH AVE. OAK PARK, IL 60302 | AFLAC | $204 | — | $204 | 0.19% |
| MARSHALL MCDONALD3 | 17031 SUMMERS WALK BLVD. DAVIDSON, NC 28036 | AFLAC | $66 | — | $66 | 0.06% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $63 | — | $63 | 0.06% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 151 N. KENILWORTH AVE. APT. 1A OAK PARK, IL 60301 | AFLAC | $57 | — | $57 | 0.05% |
| HERACLIO ORTIZ3 | 26015 CYPRESS ST. APT. 41 LOMITA, CA 90717 | AFLAC | $57 | — | $57 | 0.05% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S. FIGUEROA ST. FLOOR 35 LOS ANGELES, CA 90017 | AFLAC | $48 | — | $48 | 0.04% |
| CLAUDIA VINE3 | 14005 ARTHUR AVE. APT. 22 PARAMOUNT, CA 90723 | AFLAC | $31 | — | $31 | 0.03% |
| ROBERT SPARKS3 | 3214 SAGEWOOD LN CORONA, CA 92882 | AFLAC | $18 | — | $18 | 0.02% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $15 | — | $15 | 0.01% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 27 DIETES CT LADERA RANCH, CA 92694 | AFLAC | $12 | — | $12 | 0.01% |
| MICHAEL ADKINS3 | P.O. BOX 401 SNOWFLAKE, AZ 85937 | AFLAC | $11 | — | $11 | 0.01% |
| TODD V MASON3 Filed as: TODD MASON | 1607 W. PACIFIC COAST HWY APT. 144 WILMINGTON, CA 90744 | AFLAC | $9 | — | $9 | 0.01% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2824 SAINT ANDREWS RD. FAIRFIELD, CA 94534 | AFLAC | $7 | — | $7 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 4581 MAJESTIC MEADOWS DR. ARRINGTON, TN 37014 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 14747 N. NORTHSIGHT BLVD. SUITE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $5 | — | $5 | 0.00% |
| TOMMY C FLEESON3 Filed as: TOMMY FLEESON | 3395 MICHELSON DR. APT. 5155 IRVINE, CA 92612 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL STACHOWIAK | 321 N. CLARK ST. SUITE 615 CHICAGO, IL 60654 | AFLAC | $4 | — | $4 | 0.00% |
| CHRISTOPHER HAGER3 | 44 COLONIAL DR. RANCHO MIRAGE, CA 92270 | AFLAC | $4 | — | $4 | 0.00% |
| MARK WOOD3 | 315 W. HACIENDA DR. CORONA, CA 92882 | 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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 319 | $1.9M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 319 | $2.1M |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 319 | $2.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $182K |
| Short-term disability | AFLAC | 122 | $107K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $182K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 319 | $1.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.