| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | — | $99K | $99K | 6.38% |
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| PACIFIC ADVISORS LLC3 | 2855 MICHELLE DRIVE SUITE 320 IRVINE, CA 92606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $676 | — | $676 | 0.75% |
| SIRANOUSH SARA MKRTCHIAN3 | 11014 LORENE STREET WHITTIER, CA 90601 | AFLAC | $5K | — | $5K | 8.15% |
| SAMUEL A. SEYISSIAN3 | 11014 LORENE STREET WHITTIER, CA 90601 | AFLAC | $2K | — | $2K | 3.55% |
| RHOEL T VALDEZ3 Filed as: RHOEL T. VALDEZ | 20016 BLYTHE STREET WINNETKA, CA 91306 | AFLAC | $747 | — | $747 | 1.14% |
| DIANA CABRAL RENTCHLER3 | P.O. BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $684 | — | $684 | 1.04% |
| KEVIN J MARKEL3 Filed as: KEVIN J. MARKEL | 1410 ROANOKE STREET LA HABRA, CA 90631 | AFLAC | $523 | — | $523 | 0.80% |
| CHRISTOPHER L. TANG3 | 15155 LEFFINGWELL ROAD WHITTIER, CA 90604 | AFLAC | $317 | — | $317 | 0.48% |
| LEON NORMAN DAVIDSON3 | 1414 LINCOLN STREET EVANSTON, IL 60201 | AFLAC | $225 | — | $225 | 0.34% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $180 | — | $180 | 0.27% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 S. DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $175 | — | $175 | 0.27% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $121 | — | $121 | 0.18% |
| RONDA SUZANNE MATHEW3 | 2030 13TH STREET APT. 3 SACRAMENTO, CA 95818 | AFLAC | $111 | — | $111 | 0.17% |
| CARLOS F ENRIQUEZ3 Filed as: CARLOS F. ENRIQUEZ | 6167 BRISTOL PARKWAY SUITE 106 CULVER CITY, CA 90230 | AFLAC | $96 | — | $96 | 0.15% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS COURT BURBANK, CA 91501 | AFLAC | $90 | — | $90 | 0.14% |
| COLLEEN LEWIS3 Filed as: COLLEEN RENE LEWIS | 16676 NEW YORK HOUSE ROAD BROWNSVILLE, CA 95919 | AFLAC | $53 | — | $53 | 0.08% |
| ERIC N RAWLINGS3 Filed as: ERIC N. RAWLINGS | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $49 | — | $49 | 0.07% |
| KRISTIN JOY MAYNES3 | P.O. BOX 291 LA HABRA, CA 90633 | AFLAC | $47 | — | $47 | 0.07% |
| BETH A. GRIFFIN3 | 9102 E. LATHROP ROAD MANTECA, CA 95336 | AFLAC | $39 | — | $39 | 0.06% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, CA 97236 | AFLAC | $38 | — | $38 | 0.06% |
| JACE G KUERSTEN3 Filed as: JACE G. KUERSTEN | 7937 E. JOSHUA TREE LANE SCOTTSDALE, AZ 85250 | AFLAC | $36 | — | $36 | 0.05% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE M. LUCZAJ | 9 PAVERSTONE LANE LADERA RANCH, CA 92694 | AFLAC | $30 | — | $30 | 0.05% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 2999 DOUGLAS BLVD. SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $26 | — | $26 | 0.04% |
| SEAN C. ARENS3 | 5904 WARNER AVENUE SUITE A, PMB 127 HUNTINGTON BEACH, CA 92649 | AFLAC | $25 | — | $25 | 0.04% |
| DAVID B. KITCHEN3 | 5230 HARTEN LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $21 | — | $21 | 0.03% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94534 | AFLAC | $18 | — | $18 | 0.03% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $17 | — | $17 | 0.03% |
| NICHOLAS K. GREEN3 | 14811 SAN JOSE AVENUE PARAMOUNT, CA 90723 | AFLAC | $13 | — | $13 | 0.02% |
| EVELYN H. RIVERA3 | 8638 SURREY LANE RANCHO CUCAMONGA, CA 91701 | AFLAC | $12 | — | $12 | 0.02% |
| TOMMY C FLEESON3 Filed as: TOMMY C. FLEESON | 3395 MICHELSON DRIVE APT. 4141 IRVINE, CA 92612 | AFLAC | $11 | — | $11 | 0.02% |
| PETER JAMES SARANTIS3 | 6185 ELEMENT LANE ROSEVILLE, CA 95747 | AFLAC | $11 | — | $11 | 0.02% |
| KATHY DUFFY INSURANCE SERVICES3 | 10442 ORMOND STREET SHADOW HILLS, CA 91040 | AFLAC | $11 | — | $11 | 0.02% |
| MARK J WOOD3 Filed as: MARK J. WOOD | 315 W. HACIENDA DRIVE CORONA, CA 92882 | AFLAC | $10 | — | $10 | 0.02% |
| THOMPSON & ASSOCIATES INSURANCE INC3 | 2743 S. SANDPIPER AVENUE ONTARIO, CA 91761 | AFLAC | $8 | — | $8 | 0.01% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 14747 N. NORTHSIGHT BLVD. SUITE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $6 | — | $6 | 0.01% |
| KEVIN MICHAEL NAGLE3 | 32 ESPERANZA AVENUE APT. F SIERRA MADRE, CA 91024 | AFLAC | $6 | — | $6 | 0.01% |
| NICKI LYN ALBRIGHT3 | 965 CATALINA AVENUE SEAL BEACH, CA 90740 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIAM EDMAN3 | 818 RIDE OUT WAY FULLERTON, CA 92835 | AFLAC | $4 | — | $4 | 0.01% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | — | $4 | 0.01% |
| ANDRES ORLANDO TRUJILLO3 | 205 S. BROADWAY SUITE 206 LOS ANGELES, CA 90012 | AFLAC | $3 | — | $3 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PLACE WEST SACRAMENTO, CA 95605 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY T JOHNSON3 Filed as: JEFFREY T. JOHNSON | 30766 MAINMAST DRIVE AGOURA HILLS, CA 91301 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $536 | $5K | 11.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $355 | $3K | 11.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $873 | $216 | $1K | 12.47% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $437 | $437 | 5.00% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $513 | $188 | $701 | 13.68% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $256 | $256 | 5.00% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $170 | $158 | $328 | 19.29% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD. SUITE 365 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $85 | $85 | 5.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 160 | $1.5M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $156K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $156K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 116 | $97K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 116 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $48K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 160 | $1.5M |
| Other(6 contracts, 4 carriers) | AFLAC | 116 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.