| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE J SCHLAF3 | 155 N RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $7K | $219 | $7K | 4.78% |
| PATRICK J SCHLAF3 | 155 N RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $7K | $88 | $7K | 4.58% |
| MARK LUETJEN3 Filed as: MARK W LUETJEN | 6607 BLACK HAWK DRIVE EASTVALE, CA 92880 | AFLAC | $3K | $5 | $3K | 2.35% |
| EDWIN R. URIOSTE3 Filed as: EDWIN R URIOSTE AND OTHER AGENTS | 10390 COMMERCE CENTER DRIVE SUITE 280 RANCHO CUCAMONGA, CA 91730 | AFLAC | $2K | $213 | $2K | 1.60% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $2K | $0 | $2K | 1.27% |
| JASON N DOIG3 | 1932 E DEERE AVENUE SUITE 240 SANTA ANA, CA 92705 | AFLAC | $1K | $88 | $2K | 1.09% |
| DOUGLAS F FINCH3 | 1053 PALMS BLVD VENICE, CA 90291 | AFLAC | $1K | $0 | $1K | 0.95% |
| PAVEZ INSURANCE AGENCY3 Filed as: PAVEZ INSURANCE AGENCY INC | 2275 S MAIN STREET SUITE 101 CORONA, CA 92882 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| PAVEZ INSURANCE AGENCY3 Filed as: PAVEZ INSURANCE AGENCY INC | 2275 S MAIN STREET SUITE 101 CORONA, CA 92882 | TRUSTMARK | $643 | $0 | $643 | 5.10% |
| PAVEZ INSURANCE AGENCY3 Filed as: PAVEZ INSURANCE AGENCY INC | 2275 S MAIN STREET SUITE 101 CORONA, CA 92882 | TRUSTMARK | $32 | $0 | $32 | 11.94% |
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 | 1,346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 263 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,669 | $334K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,669 | $321K |
| Long-term disability | STANDARD INSURANCE COMPANY | 13 | $14K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,669 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,669 | — |
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.
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.