| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 80202 | BLUE CROSS OF CALIFORNIA | $28K | — | $28K | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $22K | — | $22K | 2.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN. INC. | 721 S. PARKER ST. ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | — | $20K | $20K | 1.83% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 8.28% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.96% |
| CYNTHIA LUQUIN3 | 2001 E. FINANCIAL WAY SUITE 202 GLENDORA, CA 91741 | AFLAC | $2K | $128 | $2K | 6.43% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AFLAC | $484 | — | $484 | 1.70% |
| KIMBERLY O. KWOK3 Filed as: KIMBERLY KWOK | 2044 COBBLEFIELD WAY GLENDORA, CA 91740 | AFLAC | $419 | $53 | $472 | 1.66% |
| DMJ INSURANCE SERVICES INC.3 | 333 N. LANTANA ST. SUITE 295 CAMARILLO, CA 93010 | AFLAC | $312 | — | $312 | 1.10% |
| BRADLEY IAN WITT3 Filed as: BRADLEY WITT | 1621 RIDGEWOOD DR. CAMARILLO, CA 93012 | AFLAC | $105 | $33 | $138 | 0.49% |
| ARLICE C. MARSHALL3 Filed as: ARLICE MARSHALL | 23709 BLACKBIRD CIR. MORENO VALLEY, CA 92557 | AFLAC | $135 | — | $135 | 0.48% |
| DAVID REESOR3 | 1615 WILSON AVE. UPLAND, CA 91784 | AFLAC | $71 | — | $71 | 0.25% |
| TOAN HUU PHAM3 | 546 S. HARBOR BLVD. SANTA ANA, CA 92704 | AFLAC | $63 | — | $63 | 0.22% |
| ANDRES ORLANDO TRUJILLO3 Filed as: ANDRES TRUJILLO | 205 S. BROADWAY SUITE 206 LOS ANGELES, CA 90012 | AFLAC | $50 | — | $50 | 0.18% |
| JOSEPH HUGHES3 | 1809 ALTA ST. LA HABRA, CA 90631 | AFLAC | $49 | — | $49 | 0.17% |
| KD COUGHLIN AND ASSOC. INS. SVCS.3 | 1400 SUN COPPER DR. LAS VEGAS, NV 89117 | AFLAC | $44 | — | $44 | 0.15% |
| JONATHAN ALI HAJIMOMEN3 | 5752 WHISTLER CIR. HUNTINGTON BEACH, CA 92649 | AFLAC | $42 | — | $42 | 0.15% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 S. DITMAR ST. OCEANSIDE, CA 92054 | AFLAC | $35 | — | $35 | 0.12% |
| TABELLO INS SERVICES INC3 Filed as: TABELLO INS. SERVICES INC. | 1461 SIERRA VISTA DR. LA HABRA, CA 90631 | AFLAC | $29 | — | $29 | 0.10% |
| WILLA MAY ROBINSON3 Filed as: WILLA ROBINSON | 12458 AUTUMN BREEZE ST. CERRITOS, CA 90703 | AFLAC | $24 | — | $24 | 0.08% |
| L. SPALDING3 | 847 N. HOLLYWOOD WAY SUITE 204 BURBANK, CA 91505 | AFLAC | $22 | — | $22 | 0.08% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVE. WILTON MANORS, FL 33334 | AFLAC | $20 | — | $20 | 0.07% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2824 SAINT ANDREWS RD. FAIRFIELD, CA 94534 | AFLAC | $19 | — | $19 | 0.07% |
| MARIAN A LOPEZ3 Filed as: MARIAN LOPEZ | 13322 CITICOURT LANE WHITTIER, CA 90602 | AFLAC | $13 | — | $13 | 0.05% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 3928 IRONBARK WAY MCKINNEY, TX 75071 | AFLAC | $12 | — | $12 | 0.04% |
| DAVID PEPIN3 | 4176 STATE HIGHWAY M35 ESCANABA, MI 49829 | AFLAC | $10 | — | $10 | 0.04% |
| KATHY DUFFY INSURANCE SERVICES3 | 10442 ORMOND ST. SHADOW HILLS, CA 91040 | AFLAC | $8 | — | $8 | 0.03% |
| DAVID JAMES RANDALL3 Filed as: DAVID TUCH | 3513 BROOKRIDGE RD. DUARTE, CA 91010 | AFLAC | $7 | — | $7 | 0.02% |
| OWEN JOHNSTON3 | 1300 FAIRHAVEN AVE. APT. 3 SANTA ANA, CA 92705 | AFLAC | $4 | — | $4 | 0.01% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $4 | — | $4 | 0.01% |
| MARHSALL CHARLES MCDONALD3 Filed as: MARHSALL MCDONALD | 17031 SUMMERS WALK BLVD. DAVIDSON, NC 28036 | AFLAC | $4 | — | $4 | 0.01% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $3 | — | $3 | 0.01% |
| TODD V MASON3 Filed as: TODD MASON | 1607 W. PACIFIC COAST HWY APT. 144 WILMINGTON, CA 90744 | AFLAC | $1 | — | $1 | 0.00% |
| CHRISTINE M. SEKAS3 Filed as: CHRISTINE SEKAS | 80 W. SIERRA MADRE BLVD. PMB 398 SIERRA MADRE, CA 91024 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH SOTHERLUND3 | 1561 E. ORANGETHORPE AVE. SUITE 200 FULLERTON, CA 92831 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN R. JOHNSON3 Filed as: STEVEN JOHNSON | 2239 W. 190TH ST. TORRANCE, CA 90504 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 14747 N. NORTHSIGHT BLVD. SUITE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 4581 MAJESTIC MEADOWS DR. ARRINGTON, TN 37014 | AFLAC | $1 | — | $1 | 0.00% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 5.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC. | $566 | — | $566 | 2.00% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 177 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $169K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $169K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $198K |
| Short-term disability | AFLAC | 27 | $28K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $169K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 177 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.