| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 3310 SANTA BARBARA, CA 93130 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| TERRY L. IAVICOLI3 Filed as: TERRY AVICOLI | 220 RUTH ANN WAY ARROYO GRANDE, CA 93420 | AFLAC | $3K | $216 | $3K | 10.23% |
| MJ INSURANCE3 Filed as: KARL SHAFER AND VARIOUS AGENTS | 469 RAINDANCE STREET THOUSAND OAKS, CA 91360 | AFLAC | $555 | $0 | $555 | 2.00% |
| DAWN TYACK3 | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $376 | $43 | $419 | 1.51% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALES INS. SVCS., INC. | 3420 ORCUTT ROAD, SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $190 | $43 | $233 | 0.84% |
| ERNESTO GONZALEZ3 | 22720 CANYO VIEW DRIVE CORONA, CA 92883 | AFLAC | $194 | $0 | $194 | 0.70% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INS. SVCS., LLC | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERFIELD, CA 93309 | AFLAC | $188 | $0 | $188 | 0.68% |
| MICHAEL W. ATTERBERRY3 Filed as: MICHAEL LIZALDE | 1955 MINDA DRIVE EUGENE, OR 97401 | AFLAC | $84 | $0 | $84 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.96% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 98 | $83K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $21K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $21K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 269 | $49K |
| Other(2 contracts, 2 carriers) | AFLAC | 269 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.