| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIU FONG LAM3 | PO BOX 1195 ARCADIA, CA 91077 | AFLAC | $7K | $9 | $7K | 4.47% |
| HOWARD FEIGENBAUM3 Filed as: HOWARD FEIGENBAUM AND VARIOUS AGENT | 460 TEWELL DRIVE HEMET, CA 92545 | AFLAC | $6K | $348 | $6K | 3.73% |
| MARSHALL MCDONALD3 | 415 DAVIDSON GATEWAY DRIVE APARTMENT 17 DAVIDSON, NC 28036 | AFLAC | $1K | — | $1K | 0.81% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET, SUITE C NEW YORK, NY 10005 | AFLAC | $974 | — | $974 | 0.62% |
| PHILP TSANG3 | 25 FERNDALE COURT STATEN ISLAND, NY 10005 | AFLAC | $711 | $162 | $873 | 0.56% |
| SHANNYN ZIEGLER3 | PO BOX 3194 EL SEGUNDO, CA 90245 | AFLAC | $710 | $18 | $728 | 0.46% |
| ALBERT JOHNSON JR3 Filed as: ALBERT JOHNSON JR. | 1255 EAST ALTADENA DRIVE ALTADENA, CA 91001 | AFLAC | $641 | — | $641 | 0.41% |
| MIU FONG LAM3 Filed as: MIU F. LAM | PO BOX 1195 ARCADIA, CA 91077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.52% |
| DAVID HERNANDEZ3 Filed as: DAVID ZIEGLER | PO BOX 3194 EL SEGUNDO, CA 90245 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.98% |
| MARSHALL MCDONALD3 | 905 LAKE PARK DRIVE APARTMENT 206 DAVIDSON, NC 28038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $615 | — | $615 | 1.36% |
| TODD V MASON6 Filed as: TODD V. MASON | 110 PINE AVENUE, SUITE 3710262 LONG BEACH, CA 90807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | — | $262 | 0.58% |
| MJ INSURANCE3 Filed as: ELIZABETH LENZO AND VARIOUS AGENTS | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 90807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.31% |
| JOANNA G MATHERLY3 Filed as: JOANNA G. PEOPLE | 200 GLEN ECHO ROAD, SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.15% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 9018 BALBOABL, SUITE 254 NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.13% |
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 | 218 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.