| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHANIE J SCHLAF3 Filed as: STEPHANIE J. SCHLAF | 1081 SOUTH REXFORD LANE ANAHEIM HILLS, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 21.18% |
| JULIE L WOLD3 Filed as: JULIE L. WOLD | 7720 EAST MOONRIDGE LANE ANAHEIM HILLS, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.19% |
| KEN MAJOR3 | 30207 PIPERS LANE FARMINGTON HILLS, MI 48334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.13% |
| NEAL R HACKETT3 Filed as: NEAL R. HACKETT | 4078 IVEY VISTA WAY OCEANSIDE, CA 92057 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.88% |
| PATRICK J SCHLAF3 Filed as: PATRICK SCHLAF | 155 NORTH RIVERVIEW DRIVE ANAHEIM HILLS, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.69% |
| PATRICK J SCHLAF3 Filed as: PATRICK SCHLAF | 155 NORTH RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $1K | $0 | $1K | 3.68% |
| STEPHANIE J SCHLAF3 Filed as: STEPHANIE SCHLAF | 155 NORTH RIVERVIEW DRIVE SUITE 110 ANAHEIM, CA 92808 | AFLAC | $620 | $0 | $620 | 1.94% |
| DUANE FRY3 | 641 HIGUERA STREET, SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $448 | $0 | $448 | 1.40% |
| MJ INSURANCE3 Filed as: JASON DOIG AND VARIOUS AGENTS | 1260 WEST ADAMS BOULEVARD LOS ANGELES, CA 90007 | AFLAC | $413 | $0 | $413 | 1.29% |
| DOUGLAS F FINCH3 Filed as: DOUGLAS FINCH | 78479 STERLING LANE PALM DESERT, CA 92211 | AFLAC | $370 | $0 | $370 | 1.16% |
| KEN MAJOR3 | 2211 MICHELSON DRIVE, SUITE 1150 IRVINE, CA 92612 | AFLAC | $153 | $0 | $153 | 0.48% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 29 CRESTVIEW DRIVE RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $61 | $0 | $61 | 0.19% |
| KADIE KARCHER4 | 6240 CAPE COD LANE YORBA LINDA, CA 92887 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 18.73% |
| TERRANCE J FITCH4 Filed as: TERRANCE J. FITCH | 9256 SVL BOX VICTORVILLE, CA 92395 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $121 | $0 | $121 | 0.83% |
| PAVEZ INSURANCE AGENCY3 | 2275 SOUTH MAIN STREET, SUITE 101 CORONA, CA 92882 | TRUSTMARK INSURANCE COMPANY | $205 | $0 | $205 | 2.74% |
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 | 1,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,766 | 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 | 2,272 | $447K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,272 | $440K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 21 | $27K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,272 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,272 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.