| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAIN INSURANCE SERVICES3 | — | CALIFORNIA CHOICE | $545K | — | $545K | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN BENEFIT ADMIN INC | 721 S PARKER ST STE 300 ORANGE, CA 928684732 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $5K | $14K | 3.27% |
| ZAIN INSURANCE SERVICES3 | 721 S PARKER ST STE 140 ORANGE, CA 928684715 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.13% |
| JOY E GUNDERSON3 | 4531 VALLECITO LN YOBRA LINDA, CA 92886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 8.87% |
| ZAIN INSURANCE SERVICES3 | 721 S PARKER #300 ORANGE, CA 92868 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 5.40% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 1501 ORANGETHORPE SUITE 108 FULLERTON, CA 92831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.27% |
| LAURA CANO3 Filed as: LAURA E CANO | 718 PARK LANE CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $967 | — | $967 | 0.72% |
| WILLA MAY ROBINSON3 Filed as: WILLA M ROBINSON | 12458 AUTUMN BREEZE CERRITOS, CA 90703 | CONTINENTAL AMERICAN INSURANCE COMPANY | $965 | — | $965 | 0.72% |
| JEFFERY WAYNE GUNDERSON3 Filed as: JEFFERY GUNDERSON | 4531 VALLECITO LN YORBA LINDA, CA 92886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $794 | — | $794 | 0.59% |
| DANIEL TYLER ADAMSON3 | 2700 N MAIN ST #945 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $429 | — | $429 | 0.32% |
| MITCHELL A KAUCHER3 | 3064 GIBRALTAR AVENUE COSTA MESA, CA 92626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | — | $157 | 0.12% |
| JANICE M ADAMSON3 | 495 E. RINCON ST #212 CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.11% |
| DANIEL TYLER ADAMSON3 | 405 S. HIBISCUS WAY ANAHEIM, CA 92808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.07% |
| SANDRA R ROKOP3 Filed as: SANDRA ROKOP | 74 CONGRESS PL IRVINE, CA 92602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.06% |
| JODY BAKER3 | 13308 VERONA TUSTIN, CA 92782 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.06% |
| MARK J WOOD3 | 10370 HEMET ST 210 RIVERSIDE, CA 92505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| DONALD F WASINGER3 | 74 CONGRESS PLACE IRVINE, CA 92602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| CAROL S POOLE3 | 2502 BLOSSOM TRAIL MANSFIELD, TX 76063 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| TOMMY C FLEESON3 | 2034 10 ST NORTH JACKSONVILLE BCH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| JOY E GUNDERSON3 | 990 SOUTH HEDIN CIRCLE ANAHEIM, CA 92807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| JEFFREY T JOHNSON3 | 15590 SYRACUSE LANE FONTANA, CA 92336 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ INSURANCE SVCS INC | 255 E. RINCON ST #110 CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| CHERYL M HATHCOCK3 Filed as: CHERYL M MATHCOCK | PO BOX 330186 FORT WORTH, TX 76163 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| GARY C KLEIN3 | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2144 DENA DR CONCORD, CA 94519 | AFLAC | $2K | $110 | $2K | 6.58% |
| ZAIN INSURANCE SERVICES3 | 721 S PARKER ST STE 140 ORANGE, CA 92868 | AFLAC | $1K | — | $1K | 4.50% |
| DANIEL TYLER ADAMSON3 Filed as: DANIEL ADAMSON | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $490 | — | $490 | 1.95% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 6540 GRAND MANAN DR CYPRESS, CA 90630 | AFLAC | $386 | $39 | $425 | 1.69% |
| JEFFERY WAYNE GUNDERSON3 Filed as: JEFFERY GUNDERSON | 2144 DENA DR CONCORD, CA 94519 | AFLAC | $350 | $26 | $376 | 1.50% |
| JANICE ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $114 | — | $114 | 0.45% |
| WILLA MAY ROBINSON3 Filed as: WILLA ROBINSON | 12458 AUTUMN BREEZE ST CERRITOS, CA 90703 | AFLAC | $81 | $20 | $101 | 0.40% |
| LAURA CANO3 | 718 PARK LN CORONA, CA 92879 | AFLAC | $26 | $26 | $52 | 0.21% |
| CECILIA CALLEROS GOMEZ3 | 328 N CLINTON ST ORANGE, CA 92867 | AFLAC | $47 | — | $47 | 0.19% |
| SANDRA R ROKOP3 Filed as: SANDRA ROKOP | 36471 ROYAL SAGE CT PALM DESERT, CA 92211 | AFLAC | $36 | — | $36 | 0.14% |
| VALERIE S. LEWIS3 Filed as: VALERIE LEWIS | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $28 | — | $28 | 0.11% |
| LAURIE UNDERNEHR3 | PO BOX 737 ROGERS, AR 72757 | AFLAC | $25 | — | $25 | 0.10% |
| COLLEEN LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $8 | — | $8 | 0.03% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $7 | — | $7 | 0.03% |
| LISA TAYLOR3 | 3311 W LINCOLN AVE APT 5 ANAHEIM, CA 92801 | AFLAC | $5 | — | $5 | 0.02% |
| MONIQUE GLADYS MATLOCK3 Filed as: MONIQUE MATLOCK | 7431 COLBY CIR WESTMINSTER, CA 92683 | AFLAC | $4 | — | $4 | 0.02% |
| MICHAEL C WALKER3 Filed as: MICHAEL IVES | 6127 S RAINBOW BLVD STE 110B LAS VEGAS, NV 89118 | AFLAC | $4 | — | $4 | 0.02% |
| PATRICIA ANN BOSCH3 Filed as: PATRICIA BOSCH | 6816 HOMAN CT CHINO, CA 91710 | AFLAC | $2 | — | $2 | 0.01% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $2 | — | $2 | 0.01% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $2 | — | $2 | 0.01% |
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 | 478 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 475 | $5.7M |
| Dental(2 contracts, 2 carriers) | CALIFORNIA CHOICE | 571 | $6.2M |
| Vision | CALIFORNIA CHOICE | 475 | $5.7M |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 571 | $580K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 110 | $160K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 524 | $188K |
| Other(5 contracts, 5 carriers) | CALIFORNIA CHOICE | 571 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.