| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARISE A KINNAMAN3 | 3410 LA SIERRA AVENUE #F137 RIVERSIDE, CA 92503 | BLUE CROSS OF CALIFORNIA | $33K | — | $33K | 3.23% |
| CENTRAL CITY INS AGCY INC3 | 1040 NEVADA STREET SUITE 304 REDLANDS, CA 92374 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 1.84% |
| CHARISE A KINNAMAN3 | 3410 LA SIERRA AVENUE SUITE F137 RIVERSIDE, CA 92503 | UDC DENTAL OF CALIFORNIA, INC | $4K | — | $4K | 10.00% |
| CHARISE A KINNAMAN3 Filed as: CHARISE KINNAMAN | 3410 LA SIERRA AVENUE SUITE F137 RIVERSIDE, CA 92503 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| CHARISE A KINNAMAN3 | 3410 LA SIERRA AVENUE SUITE F137 RIVERSIDE, CA 92503 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CHARISE A KINNAMAN3 | 3410 LA SIERRA AVENUE SUITE F137 RIVERSIDE, CA 92503 | UNION SECURITY INSURANCE COMPANY | $882 | — | $882 | 10.00% |
| CHARISE A KINNAMAN3 Filed as: CHARISE A KINNANMAN | 3410 LA SIERRA AVE #F137 RIVERSIDE, CA 92503 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $33K | — | $33K | 474.35% |
| CENTRAL CITY INS AGCY INC3 Filed as: CENTRAL CITY INS AGENCY INC | 1040 NEVADA STREET SUITE 304 REDLANDS, CA 92374 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 269.49% |
| MARK D GOLDEN3 | 10370 HEMET STREET SUITE 210 RIVERSIDE, CA 92503 | AFLAC | $131 | — | $131 | 4.08% |
| JULIE L WOLD3 | 10370 HEMET STREET 210 RIVERSIDE, CA 92503 | AFLAC | $51 | — | $51 | 1.59% |
| DANIEL R CHAMBERLAIN3 | 333 NOOR DRIVE NORCO, CA 92860 | AFLAC | $44 | — | $44 | 1.37% |
| JEFFREY T JOHNSON3 | 15590 SYRACUSE LANE FONTANA, CA 92336 | AFLAC | $35 | — | $35 | 1.09% |
| JANICE M ADAMSON3 | 10370 HEMET STREET SUITE 210 RIVERSIDE, CA 92503 | AFLAC | $34 | — | $34 | 1.06% |
| JOSEPH H FERRELL3 | 709 WEST FERN AVENUE REDLANDS, CA 92373 | AFLAC | $33 | — | $33 | 1.03% |
| CHARISE A KINNAMAN3 | 3410 LA SIERRA AVENUE SUITE F137 RIVERSIDE, CA 92503 | AFLAC | $24 | — | $24 | 0.75% |
| ARTHUR LEYVAS3 | 9780 DEER CREEK ROAD MORENO VALLEY, CA 92557 | AFLAC | $24 | — | $24 | 0.75% |
| TOMMY C FLEESON3 | 2034 10TH ST N JACKSONVILLE BEACH, FL 32250 | AFLAC | $20 | — | $20 | 0.62% |
| DWAYNE R MARTINEZ3 | 3095 EAST PATRICK LANE SUITE 1 LAS VEGAS, NV 89120 | AFLAC | $11 | — | $11 | 0.34% |
| TERRANCE M LUCZAJ3 | 255 EAST RINCON STREET SUITE 110 CORONA, CA 92879 | AFLAC | $9 | — | $9 | 0.28% |
| CHARISE A KINNAMAN3 Filed as: CHARISE KINNAMAN | 3410 LA SIERRA AVENUE SUITE F137 RIVERSIDE, CA 92503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $141 | — | $141 | 5.00% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 104 | $1.0M |
| Dental(2 contracts, 2 carriers) | UDC DENTAL OF CALIFORNIA, INC | 151 | $44K |
| Vision | VISION SERVICE PLAN | 117 | $19K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 94 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 15 | $10K |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 94 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.