| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID RISPLER3 | 35 KERI WAY WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $45K | $0 | $45K | 3.90% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. LONG BEACH, CA 90807 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 0.89% |
| DAVID RISPLER3 | 35 KERI WAY WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 4.27% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 1.52% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. LONG BEACH, CA 90807 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 0.89% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | GUARDIAN | $8K | — | $8K | 15.05% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., STE 500 LONG BEACH, CA 90807 | GUARDIAN | $1K | $1K | $3K | 4.88% |
| JASON BENDEZU3 | 12131 CHAPMAN AVE. APARTMENT 19 GARDEN GROVE, CA 92840 | AFLAC | $4K | $48 | $4K | 8.92% |
| DANIEL TYLER ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $3K | $3 | $3K | 6.45% |
| AURELIO VELA INSURANCE SERVICES INC3 | 7602 SORENSEN AVE. WHITTIER, CA 90606 | AFLAC | $2K | $0 | $2K | 4.06% |
| KELCIE DOMINO KERDOON3 | 23371 MULHOLLAND DR. #261 WOODLAND HILLS, CA 91364 | AFLAC | $2K | $20 | $2K | 3.88% |
| LUZ CASTILLO BARRIGA3 Filed as: LUZ C BARRIGA | 22019 JUAN AVE HAWAIIAN GARDENS, CA 90716 | AFLAC | $2K | $0 | $2K | 3.87% |
| JONATHAN ALI HAJIMOMEN3 | 6540 GRAND MANAN DR. CYPRESS, CA 90630 | AFLAC | $2K | $3 | $2K | 3.52% |
| VERONICA RINCON3 | 2018 S WOODLAND PL SANTA ANA, CA 92707 | AFLAC | $1K | $15 | $1K | 2.31% |
| CECILIA CALLEROS GOMEZ3 | 328 N. CLINTON ST. ORANGE, CA 92867 | AFLAC | $1K | $0 | $1K | 2.29% |
| STEVEN EDWARD GLYNN3 | 611 14TH ST. HUNTINGTON BEACH, CA 92648 | AFLAC | $256 | $0 | $256 | 0.53% |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $135 | $0 | $135 | 0.28% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 3 POLARIS WAY STE 400 ALISO VIEJO, CA 92656 | AFLAC | $134 | $0 | $134 | 0.28% |
| DAVID G GINN3 | 2314 S VINEYARD AVE SUITE G ONTARIO, CA 91761 | AFLAC | $131 | $0 | $131 | 0.27% |
| CORTNEY M ROJAS3 | 1649 HUNTINGTON DR SOUTH PASADENA, CA 91030 | AFLAC | $87 | $0 | $87 | 0.18% |
| TASHA W DOSSETT3 | 581A HEARDTOWN RD TUPELO, MS 38804 | AFLAC | $60 | $0 | $60 | 0.12% |
| NANCY J ATCHUE3 | 1785 NEWBERRY DR BULLHEAD CITY, AZ 86442 | AFLAC | $18 | $0 | $18 | 0.04% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $18 | $0 | $18 | 0.04% |
| SCOTT W BLACKSHEAR3 | 181 OLETA WAY ST AUGUSTINE, FL 32095 | AFLAC | $15 | $0 | $15 | 0.03% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $6 | $0 | $6 | 0.01% |
| AMANDA M GRIFFITH3 | 11400 SE 8TH ST STE 375 BELLEVUE, WA 98004 | AFLAC | $5 | $0 | $5 | 0.01% |
| TERRANCE M LUCZAJ3 | 1052 S DEWCREST DR. ANAHEIM, CA 92808 | AFLAC | $4 | $0 | $4 | 0.01% |
| JOY E GUNDERSON3 | 2824 SAINT ANDREWS RD. FAIRFIELD, CA 94534 | AFLAC | $4 | $0 | $4 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | AFLAC | $4 | $0 | $4 | 0.01% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $4 | $0 | $4 | 0.01% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | $0 | $4 | 0.01% |
| MARK J WOOD3 | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $2 | $0 | $2 | 0.00% |
| TOMMY C FLEESON3 | 3395 MICHELSON DR APT 5155 IRVINE, CA 92612 | AFLAC | $2 | $0 | $2 | 0.00% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 301 | $1.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 301 | $323K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 301 | $323K |
| Life insurance | GUARDIAN | 193 | $56K |
| Short-term disability | AFLAC | 57 | $48K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 193 | $104K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 193 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.