| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | — | $53K | $53K | 3.63% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | — | $42K | $42K | 2.87% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $550 | $4K | 5.22% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $516 | $516 | 0.68% |
| SIRANOUSH SARA MKRTCHIAN3 | 11014 LORENE STREET WHITTIER, CA 90601 | AFLAC | $6K | $52 | $6K | 9.10% |
| KEVIN J MARKEL3 Filed as: KEVIN J. MARKEL | 1410 ROANOKE STREET LA HABRA, CA 90631 | AFLAC | $648 | — | $648 | 1.00% |
| RHOEL T VALDEZ3 Filed as: RHOEL T. VALDEZ | 20016 BLYTHE STREET WINNETKA, CA 91306 | AFLAC | $563 | $52 | $615 | 0.95% |
| CHRISTOPHER L. TANG3 | 15155 LEFFINGWELL ROAD WHITTIER, CA 90604 | AFLAC | $427 | — | $427 | 0.66% |
| ANDREA JOCELYN GUZMAN3 | 1920 CITY VIEW AVENUE LOS ANGELES, CA 90033 | AFLAC | $84 | $283 | $367 | 0.56% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $247 | — | $247 | 0.38% |
| LEON NORMAN DAVIDSON3 | 2000 LINCOLN STREET EVANSTON, IL 60201 | AFLAC | $236 | — | $236 | 0.36% |
| DIANA CABRAL RENTCHLER3 | P.O. BOX 54 WEST SACRAMENTO, CA 95691 | AFLAC | $233 | — | $233 | 0.36% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 S. DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $222 | — | $222 | 0.34% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $141 | — | $141 | 0.22% |
| JULIE S KRAUS3 Filed as: JULIE S. KRAUS | 15066 VARSITY STREET APT. B MOORPARK, CA 93021 | AFLAC | $92 | — | $92 | 0.14% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS COURT BURBANK, CA 91501 | AFLAC | $90 | — | $90 | 0.14% |
| CAROLYN DENISE PATE3 | 335 E. ALBERTONI STREET SUITE 200-225 CARSON, CA 90746 | AFLAC | $70 | — | $70 | 0.11% |
| CRISTINA FRANCES WEBSTER3 | 19612 E. BROOKPORT STREET COVINA, CA 91724 | AFLAC | $55 | — | $55 | 0.08% |
| COLLEEN LEWIS3 Filed as: COLLEEN RENE LEWIS | 16676 NEW YORK HOUSE ROAD BROWNSVILLE, CA 95919 | AFLAC | $53 | — | $53 | 0.08% |
| BAYLEE YVONNE THOMAS3 | 1220 S. RIDLEY DRIVE LOS ANGELES, CA 90019 | AFLAC | $53 | — | $53 | 0.08% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE M. LUCZAJ | 27 DIETES COURT LADERA RANCH, CA 92694 | AFLAC | $39 | — | $39 | 0.06% |
| BETH A. GRIFFIN3 | 9102 E. LATHROP ROAD MANTECA, CA 95336 | AFLAC | $39 | — | $39 | 0.06% |
| JACE G KUERSTEN3 Filed as: JACE G. KUERSTEN | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $38 | — | $38 | 0.06% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRECREST COURT PORTLAND, CA 97236 | AFLAC | $38 | — | $38 | 0.06% |
| MICHAEL S NOLAN3 Filed as: MICHAEL S. NOLAN | 2551 GALENA AVENUE UNIT 1776 SIMI VALLEY, CA 93062 | AFLAC | $28 | — | $28 | 0.04% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 2999 DOUGLAS BLVD. SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $26 | — | $26 | 0.04% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94534 | AFLAC | $24 | — | $24 | 0.04% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $23 | — | $23 | 0.04% |
| DAVID B. KITCHEN3 | 5230 HARTEN LANE LA CANADA FLINTRIDGE, CA 91011 | AFLAC | $21 | — | $21 | 0.03% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $17 | — | $17 | 0.03% |
| TOMMY C FLEESON3 Filed as: TOMMY C. FLEESON | 3395 MICHELSON DRIVE APT. 5155 IRVINE, CA 92612 | AFLAC | $15 | — | $15 | 0.02% |
| MARK J WOOD3 Filed as: MARK J. WOOD | 315 W. HACIENDA DRIVE CORONA, CA 92882 | AFLAC | $14 | — | $14 | 0.02% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $13 | — | $13 | 0.02% |
| EVELYN H. RIVERA3 | 8638 SURREY LANE RANCHO CUCAMONGA, CA 91701 | AFLAC | $12 | — | $12 | 0.02% |
| PETER JAMES SARANTIS3 | 5509 SNOWBRUSH DRIVE ROCKLIN, CA 95677 | AFLAC | $11 | — | $11 | 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% |
| 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% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES INC. | 19043 META ROAD CORNELIUS, NC 28031 | 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% |
| ERIC N RAWLINGS3 Filed as: ERIC N. RAWLINGS | 9092 POSADA WAY SACRAMENTO, CA 95826 | AFLAC | $2 | — | $2 | 0.00% |
| MICHAEL T. KUZARA3 | 1586 AUTUMN COURT BEAUMONT, CA 92223 | AFLAC | $2 | — | $2 | 0.00% |
| SHANE M OWEN3 Filed as: SHANE CRAIG DAVISON | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | AFLAC | $2 | — | $2 | 0.00% |
| RONDA MATHEW3 | 2030 13TH STREET APT. 3 SACRAMENTO, CA 95818 | AFLAC | $2 | — | $2 | 0.00% |
| CYNTHIA LUQUIN3 | 2001 E. FINANCIAL WAY SUITE 202 GLENDORA, CA 91741 | AFLAC | $1 | — | $1 | 0.00% |
| ELIBERTO A FAJARDO3 Filed as: ELIBERTO A. FAJARDO | 907 DEL RANCHO COURT ONTARIO, CA 91762 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES D. BLOCK3 Filed as: CHARLES B. CAREY | 16215 LYLE STREET SAN LEANDRO, CA 94578 | AFLAC | $1 | — | $1 | 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 | $2K | — | $2K | 5.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $470 | $2K | 5.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $389 | $389 | 1.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | $324 | $1K | 6.54% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | — | $921 | 5.33% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $187 | $187 | 1.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $636 | — | $636 | 5.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | UNITEDHEALTHCARE INSURANCE COMPANY | $557 | — | $557 | 4.67% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | — | $487 | 5.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $342 | $70 | $412 | 4.97% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $59 | $59 | 0.71% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $360 | — | $360 | 5.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $253 | $86 | $339 | 5.52% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $74 | $74 | 1.21% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $231 | — | $231 | 5.82% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $165 | $58 | $223 | 5.62% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48 | $48 | 1.21% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72 | $28 | $100 | 6.37% |
| IMA, INC.3 | P.O. BOX 102833 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $85 | — | $85 | 5.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18 | $18 | 1.15% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 154 | $1.5M |
| Dental(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $149K |
| Vision(2 contracts, 2 carriers) | AFLAC | 91 | $77K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 105 | $88K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 105 | $71K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $32K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 154 | $1.5M |
| Other(3 contracts, 2 carriers) | AFLAC | 105 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.