| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE J SCHLAF3 | 1081 S REXFORD LANE ANAHEIM HILLS, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 29.36% |
| NEAL R HACKETT3 | 4078 IVEY VISTA WAY OCEANSIDE, CA 92057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.57% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 5.99% |
| PATRICK J SCHLAF3 Filed as: PATRICK SCHLAF | 155 N RIVERVIEW DRIVE ANAHEIM HILLS, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $270 | $0 | $270 | 0.38% |
| KADIE KARCHER3 | 6240 CAPE COD LANE YORBA LINDA, CA 92887 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 30.26% |
| TERRANCE J FITCH3 | 6965 SVL BOX VICTORVILLE, CA 92395 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $701 | $0 | $701 | 5.40% |
| PAVEZ INSURANCE AGENCY3 | 2275 S MAIN STREET SUITE 101 CORONA, CA 92882 | TRUSTMARK INSURANCE COMPANY | $268 | $0 | $268 | 3.33% |
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 | 1,556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 89 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,655 | 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 | 2,034 | $359K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,034 | $351K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 13 | $15K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,034 | $434K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,034 | — |
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.