| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION, SUITE 700 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $122K | $9K | $131K | 6.06% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 3.96% |
| CASSANDRA GREEN3 Filed as: CASSANDRA GREEN AND OTHER AGENTS | 4341 MARION AVENUE CYPRESS, CA 90630 | AFLAC | $821 | $0 | $821 | 2.28% |
| DAVID JACOB HOLPER3 | 22937 ARLINGTON AVENUE SUITE 102 TORRANCE, CA 90501 | AFLAC | $691 | $0 | $691 | 1.92% |
| DAVID JACOB HOLPER3 Filed as: DAVID JACOB HOLDER | 1828 WEST 244TH STREET TORRANCE, CA 90501 | AFLAC | $647 | $0 | $647 | 1.80% |
| ACEVES INSURANCE SERVICES INC.3 | 9959 BROOKSHIRE AVENUE DOWNEY, CA 90240 | AFLAC | $601 | $0 | $601 | 1.67% |
| MARK H MAZZA3 Filed as: MARK H. MAZZA | 1070 SOUTH RIMWOOD DRIVE ANAHEIM, CA 92807 | AFLAC | $475 | $0 | $475 | 1.32% |
| JOSEPH HOFFMAN3 Filed as: JOSEPH MICHAEL HOFFMAN | 16301 BUTTERFIELD RANCH ROAD UNIT 10203 CHINO HILLS, CA 91703 | AFLAC | $326 | $0 | $326 | 0.90% |
| CASSANDRA GREEN3 | 10541 CALLE LEE, SUITE 125 LOS ALAMITOS, CA 90720 | AFLAC | $151 | $0 | $151 | 0.42% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 646 | $2.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 646 | $2.2M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 646 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 646 | $2.2M |
| Short-term disability | AFLAC | 48 | $36K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 646 | $2.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 646 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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.