| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIST SPANG & CAPITANO3 | 1809 EAST ECKERMAN AVENUE WEST COVINA, CA 91791 | HEALTHNET | $157K | $0 | $157K | 5.51% |
| DANIEL TYLER ADAMSON3 | 405 SOUTH HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $14K | $0 | $14K | 8.15% |
| DONALD F WASINGER3 Filed as: DONALD F. WASINGER AND OTHER AGENTS | 36471 ROYAL SAGE COURT PALM DESERT, CA 92211 | AFLAC | $6K | $2 | $6K | 3.53% |
| VERONICA RINCON3 | 2018 SOUTH WOODLAND PLACE SANTA ANA, CA 92707 | AFLAC | $5K | $0 | $5K | 2.66% |
| AURELIO VELA3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $4K | $0 | $4K | 2.31% |
| JONATHAN ALI HAJIMOMEN3 | 5752 WHISTLER CIRCLE HUNTINGTON BEACH, CA 92649 | AFLAC | $4K | $0 | $4K | 2.24% |
| SANDRA R ROKOP3 Filed as: SANDRA R. ROKOP | 36471 ROYAL SAGE COURT PALM DESERT, CA 92211 | AFLAC | $4K | $0 | $4K | 2.19% |
| LENNARD LLOYD COWANS3 | 2814 BURLY AVENUE ORANGE, CA 92869 | AFLAC | $3K | $80 | $4K | 2.09% |
| CHRIST SPANG & CAPITANO3 Filed as: CHRIST SPANG & CAPITANO INS AGN INC | PO BOX 2278 COVINA, CA 91722 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 10.00% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNET | 323 | $2.9M |
| Dental | HEALTHNET | 323 | $2.9M |
| Vision | HEALTHNET | 323 | $2.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 446 | $29K |
| Short-term disability | AFLAC | 223 | $170K |
| Prescription drug | HEALTHNET | 323 | $2.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 446 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.