| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. Filed as: ANTHEM BLUE CROSS LIFE & HEALTH | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $241K | $241K | 2.54% |
| AMERIBEN | P.O.BOX 7186 BOISE, ID 83707 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $240K | $240K | 2.53% |
| D & S INSURANCE | 25550 HAWTHORNE BLVD. SUITE 214 TORRANCE, CA 90505 | ANTHEM BLUE CROSS AND BLUE SHIELD | $194K | — | $194K | 2.04% |
| CLINT D SALMON Filed as: CLINT SALMON | 34 DOWNFIELD WAY TRABUCO CANYON, CA 92679 | AFLAC | $22K | $55 | $22K | 5.81% |
| DEBBRA SCHINNERER | 25550 HAWTHORNE BLVD. SUITE 214 TORRANCE, CA 90505 | AFLAC | $11K | — | $11K | 2.99% |
| PEGGY K SALMON Filed as: PEGGY SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $6K | — | $6K | 1.54% |
| STEPHANIE A REYNOSO Filed as: STEPHANIE REYNOSO | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $3K | $13 | $3K | 0.71% |
| KORNELIJA NUMIC | 17621 17TH STREET APT. 27B TUSTIN, CA 92780 | AFLAC | $2K | — | $2K | 0.54% |
| VARIES - SEE ATTACHED Filed as: VARIES AGENTS LESS THEN 250 EACH | — | AFLAC | $2K | — | $2K | 0.44% |
| TOMMY C FLEESON Filed as: TOMMY FLEESON | 3395 MICHELSON DR APT. 5155 IRVINE, CA 92612 | AFLAC | $1K | $13 | $1K | 0.38% |
| CESAR A TORRES Filed as: CESAR TORRES | 26312 VALENZUELA CIR MISSION VIEJO, CA 92691 | AFLAC | $598 | — | $598 | 0.16% |
| G SCOTT COOKE Filed as: SCOTT BLACKSHEAR | 108 ALSACE CT PONTE VEDRA BEACH, FL 32082 | AFLAC | $516 | — | $516 | 0.14% |
| ANDREW R GRETHEL Filed as: ANDREW GRETHEL | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $303 | — | $303 | 0.08% |
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 | 983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 937 | $957K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 937 | $957K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 937 | $957K |
| Short-term disability | AFLAC | 376 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.