| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIST SPANG & CAPITANO3 | 1809 EAST ECKERMAN AVENUE WEST COVINA, CA 91791 | HEALTHNET | $119K | $0 | $119K | 3.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HEALTHNET | $58K | $0 | $58K | 1.77% |
| DANIEL TYLER ADAMSON3 | 405 SOUTH HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $12K | $723 | $13K | 7.35% |
| GUILLERMO A. QUINTERO & AGENTS3 | 18000 STUDEBAKER ROAD, SUITE 700 CERRITOS, CA 90703 | AFLAC | $12K | $437 | $13K | 7.03% |
| JONATHAN ALI HAJIMOMEN3 | 5752 WHISTLER CIRCLE HUNTINGTON BEACH, CA 92649 | AFLAC | $4K | $233 | $5K | 2.63% |
| VERONICA RINCON3 | 2018 SOUTH WOODLAND PLACE SANTA ANA, CA 92707 | AFLAC | $4K | $235 | $4K | 2.27% |
| ANTHONY MICHAEL JAY3 | 26035 MOULTON PARKWAY APARTMENT 44 LAGUNA HILLS, CA 92653 | AFLAC | $3K | $60 | $4K | 1.98% |
| LUZ CASTILLO BARRIGA3 Filed as: LUZ C. BARRIGA | 22019 JUAN AVENUE HAWAIIAN GARDENS, CA 90716 | AFLAC | $3K | $84 | $4K | 1.95% |
| SANDRA R ROKOP3 Filed as: SANDRA R. ROKOP | 36471 ROYAL SAGE COURT PALM DESERT, CA 92211 | AFLAC | $3K | $0 | $3K | 1.75% |
| CHRIST SPANG & CAPITANO3 Filed as: CHRIST SPANG & CAPITANO INS AGN INC | PO BOX 2278 COVINA, CA 91722 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 8.34% |
| USI INSURANCE SERVICES LLC3 | 333 SOUTH GRAND AVENUE, SUITE 1450 LOS ANGELES, CA 90071 | HARTFORD LIFE AND ACCIDENT | $504 | $0 | $504 | 1.66% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNET | 317 | $3.2M |
| Dental | HEALTHNET | 317 | $3.2M |
| Vision | HEALTHNET | 317 | $3.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 423 | $30K |
| Short-term disability | AFLAC | 275 | $179K |
| Prescription drug | HEALTHNET | 317 | $3.2M |
| Other(2 contracts, 2 carriers) | AFLAC | 423 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.