| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: PATRICK HARDIE AND VARIOUS AGENTS | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $7K | $382 | $8K | 5.05% |
| MIU FONG LAM3 | PO BOX 1195 ARCADIA, CA 91077 | AFLAC | $7K | $334 | $7K | 4.96% |
| PHILIP TSANG3 Filed as: PHILIP C. TSANG | 25 FERNDALE COURT STATEN ISLAND, NY 10314 | AFLAC | $3K | $377 | $4K | 2.47% |
| STEVE LAM MARTIN3 | 907 SUNSET BOULEVARD, UNIT A ARCADIA, CA 91007 | AFLAC | $1K | $178 | $2K | 1.06% |
| MARSHALL CHARLES MCDONALD3 | 905 LAKE PARK DRIVE APARTMENT 206 DAVIDSON, NC 28036 | AFLAC | $1K | $98 | $1K | 0.91% |
| DAVID WILLIAM ZIEGLER3 | 1 SOUTH FAIR OAKS AVENUE SUITE 200 PASADENA, CA 91105 | AFLAC | $925 | $127 | $1K | 0.70% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $847 | — | $847 | 0.56% |
| MIU FONG LAM3 Filed as: MIU F. LAM | PO BOX 1195 ARCADIA, CA 91077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| DAVID HERNANDEZ3 Filed as: DAVID ZIEGLER | PO BOX 3194 EL SEGUNDO, CA 90245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.61% |
| MARSHALL MCDONALD3 | 905 LAKE PARK DRIVE APARTMENT 206 DAVIDSON, NC 28038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $702 | — | $702 | 1.59% |
| TODD V MASON6 Filed as: TODD V. MASON | 3570 PINE AVENUE LONG BEACH, CA 90807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $281 | — | $281 | 0.64% |
| MJ INSURANCE3 Filed as: ELIZABETH LENZO AND VARIOUS AGENTS | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 90807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.42% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 12121 WILSHIRE BOULEVARD SUITE 1000 LOS ANGELES, CA 90025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.17% |
| JOANNA G MATHERLY3 Filed as: JOANNA G. PEOPLE | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.16% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | AFLAC | 162 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.