| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | CIGNA HEALTHCARE OF CALIFORNIA | $54K | — | $54K | 0.89% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 10.00% |
| SETH JAFFE3 Filed as: SETH L JAFFE | 4127 E MASSACHUSETTS ST LONG BEACH, CA 90814 | AFLAC | $10K | $784 | $11K | 5.88% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | AFLAC | $4K | — | $4K | 2.07% |
| JOSEPH J DERTHICK3 | 15428 FLATBUSH AVE NORWALK, CA 90650 | AFLAC | $3K | — | $3K | 1.47% |
| H HOWARD THOMSON3 | 65 PINE AVE SUITE 102 LONG BEACH, CA 90802 | AFLAC | $3K | — | $3K | 1.47% |
| JESSICA PEREZ3 | 6167 BRISTOL PKWY STE 106 CULVER CITY, CA 90230 | AFLAC | $1K | $157 | $1K | 0.77% |
| KYLE ROBERT BUTTERMORE3 | 7786 JOCELYN AVE S COTTAGE GROVE, MN 55016 | AFLAC | $1K | $157 | $1K | 0.67% |
| CLAY W CAMPBELL3 | 14720 LIBLEN AVE BELLFLOWER, CA 90706 | AFLAC | $1K | — | $1K | 0.58% |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BLVD SUITE 210 COMMERCE, CA 90040 | AFLAC | $738 | — | $738 | 0.39% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $636 | — | $636 | 0.33% |
| PATRICIA D SLEDGE3 | 25586 18TH ST SAN BERNARDINO, CA 92404 | AFLAC | $511 | — | $511 | 0.27% |
| CHARLES RENICO3 | 1127 HACIENDA PL APT 4 WEST HOLLYWOOD, CA 90069 | AFLAC | $353 | — | $353 | 0.19% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $248 | — | $248 | 0.13% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRL FORT WORTH, TX 76137 | AFLAC | $190 | — | $190 | 0.10% |
| KRISTOPHER KEAHIOLALO3 | 531 HAHAIONE ST NUMBER 11 A HONOLULU, HI 96825 | AFLAC | $148 | — | $148 | 0.08% |
| ALEJANDRO ORANTES3 | PO BOX 243 MONTEBELLO, CA 90640 | AFLAC | $143 | — | $143 | 0.08% |
| KATHLEEN S HANSON3 | 5460 E EL PARQUE ST LONG BEACH, CA 90815 | AFLAC | $122 | — | $122 | 0.06% |
| DE VITA B MCKENZIE3 | 300 E ESPLANADE DR STE 1220 OXNARD, CA 93036 | AFLAC | $107 | — | $107 | 0.06% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR SUITE 1150 IRVINE, CA 92612 | AFLAC | $93 | — | $93 | 0.05% |
| KYLE ROBERT BUTTERMORE3 | 5464 YARMOUTH AVE APT 14 ENCINO, CA 91316 | AFLAC | $91 | — | $91 | 0.05% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $62 | — | $62 | 0.03% |
| VALERIE LYNN VEGA3 | 4127 E MASSACHUSETTS ST LONG BEACH, CA 90814 | AFLAC | $58 | — | $58 | 0.03% |
| OWEN JOHNSTON3 | 1231 W 2ND ST SANTA ANA, CA 92703 | AFLAC | $35 | — | $35 | 0.02% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $34 | — | $34 | 0.02% |
| RASA REYNOLDS3 | 6716 CLYBOURN AVE UNIT 201 NORTH HOLLYWOOD, CA 91606 | AFLAC | $30 | — | $30 | 0.02% |
| JAMES P BOADA3 | 25501 PURPLE SAGE LN SAN JUAN CAPISTRANO, CA 92675 | AFLAC | $28 | — | $28 | 0.01% |
| KRISTEN NICOLE GLENN3 | 1604 VIA TULIPAN SAN CLEMENTE, CA 92673 | AFLAC | $24 | — | $24 | 0.01% |
| OSCAR FREGOSO3 | 25750 LEWIS WAY STEVENSON RANCH, CA 91381 | AFLAC | $16 | — | $16 | 0.01% |
| JONATHAN ALI HAJIMOMEN3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $15 | — | $15 | 0.01% |
| BETTY MURDOCK3 | 7216 TESSERA PKWY LAGO VISTA, TX 78645 | AFLAC | $12 | — | $12 | 0.01% |
| KAYLA MULLIGAN3 | 333 PALOS VERDES BLVD APT 17 REDONDO BEACH, CA 90277 | AFLAC | $12 | — | $12 | 0.01% |
| ANDREA M MACIAS3 | 7216 TESSERA PKWY LAGO VISTA, TX 78645 | AFLAC | $8 | — | $8 | 0.00% |
| SHAWN M GLENN3 | 1604 VIA TULIPAN SAN CLEMENTE, CA 92673 | AFLAC | $8 | — | $8 | 0.00% |
| STEVEN R HANSON3 | 340 E 2ND STREET SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $8 | — | $8 | 0.00% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $7 | — | $7 | 0.00% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $6 | — | $6 | 0.00% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $5 | — | $5 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY ALISO VIEJO, CA 92656 | AFLAC | $4 | — | $4 | 0.00% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.00% |
| HENRY SAUCEDA3 | 2268 ALPHA CIR LA VERNE, CA 91750 | AFLAC | $2 | — | $2 | 0.00% |
| IOANNIS T GRATSINOPOULOS3 | 1893 E DAULBY ST MERIDIAN, ID 83642 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST STE 615 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVE STE 2 MONROVIA, CA 91016 | AFLAC | $1 | — | $1 | 0.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND I | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | VISION SERVICE PLAN | $11K | — | $11K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMIN MED & RX | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $730K |
| PRUDENTIAL EIN 22-1211670 CLAIM ADMIN EAP | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan Service code 12 | — | $9 |
| CIGNA | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | — | $0 |
| COMPSYCH EIN 35-3739783 CLAIM ADMIN EAP | Claims processing; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $0 |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CALIFORNIA | 1,210 | $6.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,510 | $1.9M |
| Vision | VISION SERVICE PLAN | 546 | $113K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 797 | $394K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 797 | $394K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,510 | $1.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 797 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,510 | — |
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."
No prospect flags tripped on this filing.