| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MICHELLE DERAS & VARIOUS AGENTS | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $53K | $2K | $56K | 8.89% |
| NATALIE MALHAM3 | 5642 EAST EDGEMONT AVENUE SCOTTSDALE, AZ 85257 | AFLAC | $30K | $2K | $32K | 5.11% |
| CHRISTINA M. EADES3 Filed as: CHRISTINA M EADES | 15411 WEST WADDELL ROAD SUITE 102 SURPRISE, AZ 85379 | AFLAC | $9K | $665 | $9K | 1.51% |
| PATRICIA ANN BOSCH3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $6K | $289 | $6K | 0.97% |
| JOSE IRIZARRY3 Filed as: JOSE A IRIZARRY | 456 MISTY LANE LEWISVILLE, TX 75067 | AFLAC | $4K | $287 | $4K | 0.63% |
| JULIE BETH GRAY3 | 4054 DUMONT DRIVE ODESSA, TX 79762 | AFLAC | $2K | $177 | $2K | 0.40% |
| CLAUDIA L FELDMAN3 | 9037 EAST CASITAS DEL RIO DRIVE SCOTTSDALE, AZ 85255 | AFLAC | $2K | $0 | $2K | 0.38% |
| CSA GENERAL INSURANCE AGENCY3 | C/O BCBS ATTENTION CASH CONTROL UNKNOWN PHOENIX, AZ 85069 | EYEMED VISION CARE | $25K | $0 | $25K | 14.04% |
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 | 1,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,193 | $180K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,626 | $585K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,626 | $585K |
| Other(2 contracts, 2 carriers) | AFLAC | 1,626 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,193 | — |
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.