| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK J SCHLAF3 | 155 N RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $13K | $24 | $13K | 6.64% |
| STEPHANIE J SCHLAF3 | 155 N RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $11K | $947 | $12K | 6.28% |
| KEN MAJOR3 | 221 MICHELSON DRIVE SUITE 150 IRVINE, CA 92612 | AFLAC | $4K | $56 | $4K | 2.17% |
| JAMES (JAY) GRIMES3 Filed as: JAMES R LANDINGHAM AND OTHER AGENTS | 1701 WILLIAMS COURT APT 502 COLUMBUS, GA 31904 | AFLAC | $4K | $163 | $4K | 1.96% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $2K | $0 | $2K | 0.80% |
| DOUGLAS F FINCH3 Filed as: DOUGLAS FINCH | 1053 PALMS BLVD VENICE, CA 90291 | AFLAC | $1K | $0 | $1K | 0.62% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHEKI | 225 S WATER STREET WILMINGTON, NC 28401 | AFLAC | $864 | $139 | $1K | 0.51% |
| PAVEZ INSURANCE AGENCY3 | 2275 S MAIN STREET SUITE 101 CORONA, CA 92882 | TRUSTMARK INSURANCE COMPANY | $283 | $0 | $283 | 2.91% |
| KADIE KARCHER3 Filed as: KADIE KARCHR | 6240 CAPE COD LANE YORBA LINDA, CA 92887 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 21.02% |
| TERRENCE J. FITCH3 Filed as: TERRENCE J FITCH | 6547 MANZANO STREET CHINO, CA 91710 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 20.78% |
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 | 1,415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,421 | 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 | 1,803 | $376K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,803 | $366K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $13K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,803 | $572K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,803 | — |
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.