| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA L KAWANO3 | 1654 SOLANO AVE SUITE D ALBANY, CA 94707 | BLUE SHIELD OF CALIFORNIA | $30K | $90K | $120K | 4.35% |
| HING AND ASSOCIATES INSURANCE3 | 301 E COLORADO BLVD SUITE 200 PASADENA, CA 91101 | BLUE SHIELD OF CALIFORNIA | $2K | $7K | $10K | 0.35% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP. | 1540 CORNERSTONE BLVD SUITE 230 DAYTONA BEACH, FL 32117 | BLUE SHIELD OF CALIFORNIA | $1K | $4K | $5K | 0.20% |
| HAROLD L LEE & SONS INC3 Filed as: HAROLD L. LEE & SONS, INC. | 31 PELL ST NEW YORK, NY 10013 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | — | $30K | 3.04% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR. S SUITE 450 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 0.97% |
| HAROLD L LEE & SONS INC3 Filed as: HAROLD L LEE & SONS | 31 PELL ST NEW YORK, NY 10013 | HARTFORD LIFE & ACCIDENT | $9K | $0 | $9K | 7.33% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 750 THE CITY DR. S SUITE 450 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.00% |
| LINDA M NAPOLI3 | 5335 YARMOUTH AVE APT 106 ENCINO, CA 91316 | AFLAC | $3K | $300 | $3K | 9.35% |
| PATRICIA GAIL LEES3 | 6055 E WASHINGTON BLVD SUITE 210 COMMERCE, CA 90040 | AFLAC | $915 | $66 | $981 | 2.95% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $480 | $66 | $546 | 1.64% |
| PAUL GALLEGOS3 | 10519 SHOSHONE AVE GRANADA HILLS, CA 91344 | AFLAC | $474 | $0 | $474 | 1.42% |
| SALLY CHUNG3 | 236 WEST PORTAL AVE #498 SAN FRANCISCO, CA 94127 | AFLAC | $449 | $19 | $468 | 1.41% |
| HAROLD L LEE & SON INC3 | 1654 SOLANO AVE STE D ALBANY, CA 94707 | AFLAC | $255 | $0 | $255 | 0.77% |
| HING AND ASSOCIATES INSURANCE3 Filed as: HING AND ASSOCIATES INS BROKERS INC | 301 E COLORADO BLVD STE 200 PASADENA, CA 91101 | AFLAC | $170 | $0 | $170 | 0.51% |
| LEANN C LEVINE3 | 1049 16TH STREET 9 SANTA MONICA, CA 90403 | AFLAC | $150 | $0 | $150 | 0.45% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $148 | $0 | $148 | 0.44% |
| BALTOR INSURANCE SERVICES3 | 1020 MERNER RD HILLSBOROGH, CA 94010 | AFLAC | $129 | $4 | $133 | 0.40% |
| MIU FONG LAM3 | PO BOX 1195 ARCADIA, CA 91077 | AFLAC | $106 | $0 | $106 | 0.32% |
| VINCENT C HING3 | 4536 RINETTI LN LA CANADA, CA 91011 | AFLAC | $93 | $0 | $93 | 0.28% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $83 | $0 | $83 | 0.25% |
| CHARLES EDWARD WILLIAMS3 | 1411 N GRAND OAKS AVE PASADENA, CA 91104 | AFLAC | $65 | $0 | $65 | 0.20% |
| KRISTINA J KUNZ3 | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $59 | $4 | $63 | 0.19% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DR AGOURA HILLS, CA 91301 | AFLAC | $41 | $0 | $41 | 0.12% |
| DANIEL P HODGKISS3 | 2275 HUNTINGTON DR #271 SAN MARINO, CA 91108 | AFLAC | $37 | $0 | $37 | 0.11% |
| DAVID WILLIAM ZIEGLER3 | 1 S FAIR OAKS AVE STE 200 PASADENA, CA 91105 | AFLAC | $28 | $0 | $28 | 0.08% |
| DE VITA B MCKENZIE3 | 300 E ESPLANADE DR STE 1220 OXNARD, CA 93036 | AFLAC | $27 | $0 | $27 | 0.08% |
| JULIE ATKINS3 | 16321 PACIFIC COAST HWY SPC 6 PACIFIC PALISADES, CA 90272 | AFLAC | $23 | $0 | $23 | 0.07% |
| LENHI TANG3 | PO BOX 4142 EL MONTE, CA 91734 | AFLAC | $22 | $0 | $22 | 0.07% |
| KELLIE D COOK3 | 2470 STEARNS ST #294 SIMI VALLEY, CA 93063 | AFLAC | $19 | $0 | $19 | 0.06% |
| MARSHALL CHARLES MCDONALD3 | 17031 SUMMERS WALK BLVD DAVIDSON, NC 28036 | AFLAC | $18 | $0 | $18 | 0.05% |
| STEPHANIE A REYNOSO3 | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $16 | $0 | $16 | 0.05% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $16 | $0 | $16 | 0.05% |
| ANNA JANICE RUIZ3 | 2596 17TH AVE SAN FRANCISCO, CA 94116 | AFLAC | $15 | $0 | $15 | 0.05% |
| LILY YAN3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $13 | $0 | $13 | 0.04% |
| MICHALE GOODMAN3 | 5419 S LA CIENEGA BLVD LOS ANGELES, CA 90056 | AFLAC | $12 | $0 | $12 | 0.04% |
| RICHARD J KUNZ3 | 601 MONTGOMERY ST STE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $11 | $0 | $11 | 0.03% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $11 | $0 | $11 | 0.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH STREET FT LAUDERDALE, FL 33334 | AFLAC | $10 | $0 | $10 | 0.03% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $10 | $0 | $10 | 0.03% |
| CESAR A TORRES3 | 26312 VALENZUELA CIR MISSION VIEJO, CA 92691 | AFLAC | $9 | $0 | $9 | 0.03% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $8 | $0 | $8 | 0.02% |
| RACHEL DEBORAH SUNDAY3 | 8055 W MANCHESTER AVE STE 405 PLAYA DEL REY, CA 90293 | AFLAC | $5 | $0 | $5 | 0.02% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $3 | $0 | $3 | 0.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR SUITE 900 SAINT LOUIS, MT 63141 | AFLAC | $2 | $0 | $2 | 0.01% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE ST TOLUCA LAKE, CA 91602 | AFLAC | $2 | $0 | $2 | 0.01% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL SCHNAIDER | 2521 SHADOWBROOKE RD BRENTWOOD, CA 94513 | AFLAC | $2 | $0 | $2 | 0.01% |
| ADAM H MICHAELS3 | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $2 | $0 | $2 | 0.01% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVE LOS ANGELES, CA 90045 | AFLAC | $1 | $0 | $1 | 0.00% |
| IOANNIS T GRATSINOPOULOS3 | 1893 E DAULBY ST MERIDIAN, ID 83642 | AFLAC | $1 | $0 | $1 | 0.00% |
| MANA INSURANCE SOLUTIONS INC3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $1 | $0 | $1 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE Y MOY | 2169 E 28TH STREET BROOKLYN, NY 11229 | AFLAC | $751 | $126 | $877 | 8.29% |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 1443 E WASHINGTON BLVD 128 PASADENA, CA 91104 | AFLAC | $333 | $54 | $387 | 3.66% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $265 | $25 | $290 | 2.74% |
| HAROLD L LEE & SONS INC3 Filed as: HAROLD LEE & SONS INC | 31 PELL STREET NEW YORK, NY 10013 | AFLAC | $208 | $0 | $208 | 1.97% |
| PATRICIA GAIL LEES3 Filed as: PATRICIA G LEES | 1124 CHURCHS COURT BURBANK, CA 91501 | AFLAC | $91 | $11 | $102 | 0.96% |
| TREVOR FENNELL3 | 7 HIGHLAND LN EAST HAMPTON, NY 11937 | AFLAC | $67 | $0 | $67 | 0.63% |
| SHEM J BOSTICK3 | 1325 MOUNT HERMON RD SUITE 13B SALISBURY, MD 21804 | AFLAC | $52 | $11 | $63 | 0.60% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $34 | $0 | $34 | 0.32% |
| CHRISTY DAY ASSOCIATES LLC3 | 14 WALL ST STE 8C NEW YORK, NY 10005 | AFLAC | $22 | $0 | $22 | 0.21% |
| TOMMY TAM3 | 418 E 74TH ST APT 1B NEW YORK, NY 10021 | AFLAC | $21 | $0 | $21 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G GALLAGHER | 2640 LAKE SHORE DR UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $11 | $0 | $11 | 0.10% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $8 | $0 | $8 | 0.08% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $7 | $0 | $7 | 0.07% |
| DEVITA MCKENZIE3 | 300 E ESPLANADE DR 1220 OXNARD, CA 93036 | AFLAC | $2 | $0 | $2 | 0.02% |
| MICHAEL BURACK3 | 46 THREEPENCE DR MELVILLE, NY 11747 | AFLAC | $2 | $0 | $2 | 0.02% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $2 | $0 | $2 | 0.02% |
| SEAN FX GLEASON LLC3 | 52 HOLIDAY PARK DR HAUPPAUGE, NY 11788 | AFLAC | $2 | $0 | $2 | 0.02% |
| KENNETH B MCPHERSON3 | 1932 E DEERE AVE SUITE 240 SANTA ANA, CA 92705 | AFLAC | $1 | $0 | $1 | 0.01% |
| TODD J BURKE CORP3 | 40 MAXWELL RD GARDEN CITY, NY 11530 | AFLAC | $1 | $0 | $1 | 0.01% |
| DALE I DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 216 | $2.8M |
| Dental | BLUE SHIELD OF CALIFORNIA | 216 | $2.8M |
| Vision | BLUE SHIELD OF CALIFORNIA | 216 | $2.8M |
| Life insurance | HARTFORD LIFE & ACCIDENT | 318 | $119K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 318 | $119K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 216 | $2.8M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT | 318 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.