| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 8.94% |
| WOODITCH COMPANY INSURANCE SERVICES3 | 1 PARK PLAZA SUITE 400 IRVINE, CA 92614 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| CLINT D SALMON3 | 34 DOWNFIELD WAY TRABUCO CANYON, CA 92679 | AFLAC | $5K | $384 | $6K | 15.94% |
| STEPHANIE A REYNOSO3 | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $640 | $70 | $710 | 1.94% |
| TOMMY C FLEESON3 | 3395 MICHELSON DRIVE APARTMENT 5155 IRVINE, CA 92612 | AFLAC | $606 | $70 | $676 | 1.84% |
| KORNELIJA NUMIC3 | 17621 17TH STREET APARTMENT 27B TUSTIN, CA 92780 | AFLAC | $173 | — | $173 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4695 MACARTHUR COURT SUITE 600 NEWPORT BEACH, CA 92660 | AFLAC | $161 | — | $161 | 0.44% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $149 | — | $149 | 0.41% |
| THE WOODITCH COMPANY INSURANCE3 Filed as: THE WOODITCH CO INSURANCE | 4695 MACARTHUR COURT SUITE 600 NEWPORT BEACH, CA 92660 | AFLAC | $142 | — | $142 | 0.39% |
| SCOTT W BLACKSHEAR3 | 108 ALSACE COURT PONTE VEDRA BEACH, FL 32082 | AFLAC | $33 | — | $33 | 0.09% |
| MARCO A VERGARA3 | 2137 WEST FIR AVENUE ANAHEIM, CA 92801 | AFLAC | $20 | — | $20 | 0.05% |
| OWEN JOHNSTON3 Filed as: OWEN C JOHNSTON | 1300 FAIRHAVEN AVENUE APARTMENT 3 SANTA ANA, CA 92705 | AFLAC | $18 | — | $18 | 0.05% |
| CESAR A TORRES3 | 26312 VALENZUELA CIRCLE MISSION VIEJO, CA 92691 | AFLAC | $18 | — | $18 | 0.05% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL ROAD DANA POINT, CA 92629 | AFLAC | $16 | — | $16 | 0.04% |
| AMANDA M GRIFFITH3 | 11400 SOUTHEAST 8TH STREET SUITE 375 BELLEVUE, WA 98004 | AFLAC | $13 | — | $13 | 0.04% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.02% |
| C.A. TORRES INSURANCE SERVICES LLC3 | 26312 VALENZUELA CIRCLE MISSION VIEJO, CA 92691 | AFLAC | $6 | — | $6 | 0.02% |
| JAMES J GRETHEL3 | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 13.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 7.17% |
| THE WOODITCH COMPANY INSURANCE3 | 4695 MACARTHUR COURT SUITE 600 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $801 | — | $801 | 4.93% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $202 | — | $202 | 1.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | — | $656 | $656 | 6.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $403 | $207 | $610 | 6.15% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SERV | 1 PARK PLAZA #400 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $424 | — | $424 | 4.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | HUMANADENTAL INSURANCE COMPANY | $786 | — | $786 | 8.96% |
| WOODITCH COMPANY INSURANCE SERVICES3 | 1 PARK PLAZA SUITE 400 IRVINE, CA 92614 | HUMANADENTAL INSURANCE COMPANY | $293 | — | $293 | 3.34% |
| WOODITCH COMPANY INSURANCE SERVICES3 Filed as: THE WOODITCH COMPANY INSURANCE SERV | 1 PARK PLAZA #400 IRVINE, CA 92614 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $485 | — | $485 | 9.99% |
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 | 343 | 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) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 128 | $75K |
| Vision | VISION SERVICE PLAN | 171 | $16K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 309 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $18K |
| Other(3 contracts, 3 carriers) | AFLAC | 309 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.