| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS OF CALIFORNIA | $124K | $745 | $125K | 6.37% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 3.94% |
| DAVID JACOB HOLPER3 | 1828 WEST 244TH STREET TORRANCE, CA 90501 | AFLAC | $2K | $0 | $2K | 3.79% |
| ACEVES INSURANCE SERVICES INC.3 Filed as: ACEVES INSURANCE SERVICES, INC. | 9959 BROOKSHIRE AVENUE DOWNEY, CA 90240 | AFLAC | $652 | $0 | $652 | 1.57% |
| MJ INSURANCE3 Filed as: KEN L. MAJOR AND VARIOUS AGENTS | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $629 | $16 | $645 | 1.56% |
| MARK H MAZZA3 Filed as: MARK H. MAZZA | 1070 SOUTH RIMWOOD DRIVE ANAHEIM, CA 92807 | AFLAC | $567 | $0 | $567 | 1.37% |
| CASSANDRA GREEN3 | 4341 MARION AVENUE CYPRESS, CA 90630 | AFLAC | $340 | $0 | $340 | 0.82% |
| JOSEPH HOFFMAN3 Filed as: JOSEPH MICHAEL HOFFMAN | 29110 TEMBUSO LAKE ELSINORE, CA 92530 | AFLAC | $216 | $0 | $216 | 0.52% |
| KRISTEN BRUNZELL3 Filed as: KRISTEN M. BRUZNELL | 340 EAST 1ST STREET, SUITE 3746 TUSTIN, CA 92781 | AFLAC | $132 | $0 | $132 | 0.32% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 605 | $2.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 605 | $2.0M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 605 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 605 | $2.0M |
| Short-term disability | AFLAC | 42 | $41K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 605 | $2.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 605 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.