| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $24K | $5K | $30K | 9.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $7K | $7K | 2.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES CA | 3697 MT. DIABLO BOULEVARD SUITE 100 LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $900 | — | $900 | 0.29% |
| VALERIE VILLA3 | 3940 MARICOPA DRIVE SANTA BARBARA, CA 93110 | AFLAC | $5K | $4 | $5K | 5.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF CALIFORNIA INC | PO BOX 61010 SANTA BARBARA, CA 93160 | AFLAC | $3K | — | $3K | 2.70% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVENUE, SUITE 213 SANTA BARBARA, CA 93111 | AFLAC | $2K | $2 | $2K | 2.44% |
| DANIEL VORDALE INS SVCS INC3 | 712 MERCURY AVENUE LOMPOC, CA 93436 | AFLAC | $1K | — | $1K | 1.51% |
| CRISTINA B VILLANUEVA3 | 5677 VIA SALERNO GOLETA, CA 93117 | AFLAC | $669 | $4 | $673 | 0.69% |
| TIRZO A LOPEZ3 | 4368 HERADO DRIVE GUDALUPE, CA 93434 | AFLAC | $532 | — | $532 | 0.55% |
| JAIME VEGA3 | 1925 JUNTO LANE OXNARD, CA 93036 | AFLAC | $423 | — | $423 | 0.43% |
| BRIGITTE LEIGH HORSTMAN3 | 15 E VALERIO STREET, APARTMENT A SANTA BARBARA, CA 93101 | AFLAC | $177 | — | $177 | 0.18% |
| THERESA E GOMEZ3 Filed as: THERESA E. GOMEZ | 9815 STEELHEAD ROAD PASO ROBLES, CA 93446 | AFLAC | $125 | — | $125 | 0.13% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $101 | — | $101 | 0.10% |
| DANIEL MILLER3 | 3660 PAUL JONES AVENUE SAN DIEGO, CA 92117 | AFLAC | $86 | — | $86 | 0.09% |
| RAYMOND JESS TAPANES3 | 1285 W SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $78 | — | $78 | 0.08% |
| DE VITA B MCKENZIE3 | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $66 | — | $66 | 0.07% |
| JANET FERRUSQUILLA3 | PO BOX 1168 SANTA BARBARA, CA 93102 | AFLAC | $35 | — | $35 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SRVCES OF CA INC. | 1 KAISER PLAZA, SUITE 1101 OAKLAND, CA 94612 | AFLAC | $28 | — | $28 | 0.03% |
| DAWN T SUCHECKI3 Filed as: DAWN M TYACK | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $25 | — | $25 | 0.03% |
| JORGE ESPINOZA3 | 897 PEREGRINE LANE NIPOMA, CA 93444 | AFLAC | $20 | — | $20 | 0.02% |
| STEVEN MICHAEL SOLOMON3 | 5805 SEPULVEDA BLVD, SUITE 740 SHERMAN OAKS, CA 91411 | AFLAC | $14 | — | $14 | 0.01% |
| BRIAN MCKELLAR3 | 1342 TRAPPERS RIDGE AMMON, ID 83401 | AFLAC | $12 | $2 | $14 | 0.01% |
| STEVEN P PEDRAZA3 | 1250 S WESTRIDGE AVENUE GLENDORA, CA 91740 | AFLAC | $9 | — | $9 | 0.01% |
| PAUL GALLEGOS3 | 10519 SHSONE AVENUE GRANADA HILLS, CA 91344 | AFLAC | $5 | — | $5 | 0.01% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $4 | — | $4 | 0.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 826 | $314K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 826 | $314K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 826 | $314K |
| Short-term disability | AFLAC | 85 | $98K |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 826 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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.