| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORBA LINDA INSURANCE SERVICES, INC3 | P.O. BOX 661 YORBA LINDA, CA 92885 | AETNA HEALTH, INC. | $74K | — | $74K | 4.87% |
| YORBA LINDA INSURANCE SERVICES, INC3 | P.O. BOX 661 YORBA LINDA, CA 92885 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 7.44% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $15K | $138 | $15K | 20.23% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $130 | $3K | 13.00% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING INC. | 9538 W. PICO BLVD. LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 2.17% |
| TERI ROLLIN3 | C/O TERI ROLLIN OAK PARK, CA 91377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 1.54% |
| CHARLOTTE MARTINEZ3 | 4424 COLDWATER CANYON STUDIO CITY, CA 91604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.54% |
| MARTHA R BAEZ3 Filed as: MARTHA R. BAEZ | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| MAGDALENA PRADO3 | 25121 VIA ELE VADO DANA POINT, CA 92629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| FRANK H. FORTHUN3 | 1166 FAIRWAY OAKS AVE. BANNING, CA 92220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| DAVID EVANS3 | 2711 YORK COURT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 385 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 294 | $156K |
| Vision | AETNA LIFE INSURANCE CO. | 294 | $156K |
| Life insurance(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 294 | $252K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 175 | $100K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 385 | $1.7M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 294 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.