| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSALIND M GONZALEZ3 Filed as: ROSALIND GONZALEZ AND OTHER AGENTS | 250 PLEASANT STREET METHUEN, MA 01844 | AFLAC | $10K | $560 | $11K | 8.46% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 4531 VALLECITO LANE YORBA LINDA, CA 92886 | AFLAC | $5K | $510 | $6K | 4.41% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA INC. | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | AFLAC | $2K | $0 | $2K | 1.16% |
| PAUL B KIRTON JR3 Filed as: PAUL B. KIRTON JR. | 5520 WILSHIRE BOULEVARD APARTMENT 727 LOS ANGELES, CA 90036 | AFLAC | $939 | $0 | $939 | 0.72% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $773 | $0 | $773 | 0.59% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $656 | $82 | $738 | 0.57% |
| KEVIN B BAILEY3 Filed as: KEVIN B. BAILEY | 7105 WIND ROW DRIVE MCKINNEY, TX 75070 | AFLAC | $706 | $24 | $730 | 0.56% |
| MJ INSURANCE3 Filed as: MARY HUCKABEE AND VARIOUS AGENTS | 1510 RIVERBENC XING SUGAR LAND, TX 77478 | AFLAC | $3K | $0 | $3K | 8.11% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 4531 VALLECITO LANE YORBA LINDA, CA 92886 | AFLAC | $1K | $508 | $2K | 5.96% |
| GBS ARIZONA INC3 Filed as: GBS ARIZONA INC. | 2333 WEST UNIVERSITY DRIVE SUITE 103 TEMPE, AZ 85281 | AFLAC | $465 | $0 | $465 | 1.49% |
| PAUL B KIRTON JR3 Filed as: PAUL B. KIRTON JR. | 5520 WILSHIRE BOULEVARD APARTMENT 727 LOS ANGELES, CA 90036 | AFLAC | $217 | $0 | $217 | 0.70% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $178 | $0 | $178 | 0.57% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $172 | $0 | $172 | 0.55% |
| KEVIN B BAILEY3 Filed as: KEVIN B. BAILEY | 7105 WIND ROW DRIVE MCKINNEY, TX 75070 | AFLAC | $163 | $0 | $163 | 0.52% |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,034 | $6.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 451 | $423K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 392 | $56K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,034 | $6.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,034 | $6.5M |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,034 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,034 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.