| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M WORD3 Filed as: JOHN WORD III | — | CALIFORNIA CHOICE | $468K | — | $468K | 9.51% |
| JOHN M WORD3 | 721 S PARKER ST STE 300 ORANGE, CA 928684732 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT | ADMINISTRATORS INC 721 S PARKER ST STE 300 ORANGE, CA 928684732 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.95% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YORBA LINDA, CA 92886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.06% |
| JOHN M WORD3 | 721 S PARKER #300 ORANGE, CA 92868 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| DANIEL TYLER ADAMSON3 | 2700 N MAIN ST #945 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| CECILIA M CALLEROS GOMEZ3 | 17671 COWAN STREET SUITE 125 IRVINE, CA 92614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $751 | — | $751 | 0.64% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 1501 ORANGETHORPE SUITE 108 FULLERTON, CA 92831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $730 | — | $730 | 0.62% |
| MITCHELL A KAUCHER3 | 3064 GIBRALTAR AVE COSTA MESA, CA 92626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | — | $729 | 0.62% |
| MARK J WOOD3 | 10370 HEMET ST 210 RIVERSIDE, CA 92505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $660 | — | $660 | 0.56% |
| DONALD F WASINGER3 | 74 CONGRESS PLACE IRVINE, CA 92602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $642 | — | $642 | 0.55% |
| SANDRA R ROKOP3 Filed as: SANDRA ROKOP | 74 CONGRESS PL IRVINE, CA 92602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.47% |
| JANICE M ADAMSON3 | 495 E. RINCON ST #212 CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $495 | — | $495 | 0.42% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $367 | — | $367 | 0.31% |
| DANIEL TYLER ADAMSON3 | 405 S. HIBISCUS WAY ANAHEIM, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.08% |
| TOMMY C FLEESON3 | 2034 10 ST NORTH JACKSONVILLE BCH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | — | $82 | 0.07% |
| JEFFREY T JOHNSON3 | 15590 SYRACUSE LANE FONTANA, CA 92336 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.06% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 1501 ORANGETHORPE SUITE 108 FULLERTON, CA 90620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.04% |
| LANCE J MILLER3 | 17133 KNOLL DALE TRAIL CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.04% |
| JOY E GUNDERSON3 | 990 SOUTH HEDIN CIRCLE ANAHEIM, CA 92807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.03% |
| SHARMAIN L BOUNDS3 Filed as: SHARMAIN L MYKLEBY | 2202 TEDESCA DRIVE HENDERSON, NV 89052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| ANDREW R GRETHEL3 | 367 VIA ANDALUSIA ENCINITAS, CA 92024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ INSURANCE SVCS INC | 255 E. RINCON ST #110 CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 1021 TORRY CT ST JOHNS, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| WILLIAM K VERBRUGGE3 | 27 CRYSTAL SPRINGS RD #6 SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| CAROL S POOLE3 | 2502 BLOSSOM TRAIL MANSFIELD, TX 76063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 W MOREHEAD ST 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| MARK HABER & ASSOC INC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| WILLIAM V SCHAUB3 | 2017 FAIRMONT DRIVE SAN MATEO, CA 94402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| CHERYL M HATHCOCK3 | PO BOX 330186 FORT WORTH, TX 76163 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| KIT T EVANS3 | 2065 N PALM AVE UPLAND, CA 91784 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| CAELUM INC3 | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MARIAN E LENCIONI3 | 10390 COMMERCE CENTER DRIVE SUITE 260 RANCHO CUCAMONGA, CA 91730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST SUITE I WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| AARON D MCGOVERN3 | 44-100 MONTEREY AVE SUITE 204 PALM DESERT, CA 92260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| A AND H INSURANCE INC.3 Filed as: A & H INSURANCE INC | 3301 S. VIRGINIA STE 201 RENO, NV 89502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| PATRICIA A BOSCH3 | 239 S AGATE STREET ANAHEIM, CA 92804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 5463 SOUTH DURANGO DRIVE SUITE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 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 | 525 | 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) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 470 | $4.9M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 470 | $5.3M |
| Vision | CALIFORNIA CHOICE | 470 | $4.9M |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 512 | $475K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 512 | $147K |
| Other(5 contracts, 4 carriers) | CALIFORNIA CHOICE | 525 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.