| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 28031 NEW YORK, NY 10087 | UNITED HEALTHCARE INSURANCE COMPANY | $80K | $0 | $80K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | DELTA DENTAL OF CALIFORNIA | $7K | $0 | $7K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 11.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10087 | ANTHEM LIFE INSURANCE COMPANY | $895 | $0 | $895 | 3.36% |
| BETTY MURDOCK3 | 7216 TESSERA PKWY LAGO VISTA, TX 78645 | AFLAC | $556 | $0 | $556 | 3.31% |
| LINDA M NAPOLI3 | 17631 VENTURA BLVD #321 ENCINO, CA 91316 | AFLAC | $148 | $0 | $148 | 0.88% |
| RHOLAN CHAN WONG3 | 2825 TILDEN AVE LOS ANGELES, CA 90064 | AFLAC | $131 | $0 | $131 | 0.78% |
| JUANITA BURKS & ASSOCIATES3 | PO BOX 10341 MARINA DEL REY, CA 90295 | AFLAC | $103 | $0 | $103 | 0.61% |
| KAREN M HUGHES3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $97 | $0 | $97 | 0.58% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS CT BURBANK, CA 91501 | AFLAC | $92 | $0 | $92 | 0.55% |
| YAMASAKI & COMPANY3 Filed as: YAMASAKI AND COMPANY INC | 1840 W 186TH ST STE 200 TORRANCE, CA 90504 | AFLAC | $84 | $0 | $84 | 0.50% |
| KARI S. TAMKE3 Filed as: KARI S TAMKE | 45 54TH PL APT 4 LONG BEACH, CA 90803 | AFLAC | $76 | $0 | $76 | 0.45% |
| VANESSA IRENE HERRERA3 | 200 E AVENIDA DE LA MERCED MONTEBELLO, CA 90640 | AFLAC | $75 | $0 | $75 | 0.45% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEWHALL, CA 91321 | AFLAC | $60 | $0 | $60 | 0.36% |
| KATHLEEN S HANSON3 | 5460 E EL PARQUE ST LONG BEACH, CA 90815 | AFLAC | $48 | $0 | $48 | 0.29% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $44 | $0 | $44 | 0.26% |
| CLAY W CAMPBELL3 | 14720 LIBLEN AVE BELLFLOWER, CA 90706 | AFLAC | $39 | $0 | $39 | 0.23% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $39 | $0 | $39 | 0.23% |
| JANELLE M ZAMORA3 | 421 W BROADWAY APT 4157 LONG BEACH, CA 90802 | AFLAC | $31 | $0 | $31 | 0.18% |
| ALDO LASTRA3 | 9733 NW 45TH LN DORAL, FL 33178 | AFLAC | $29 | $0 | $29 | 0.17% |
| YOLANDA F LASTRA3 | 9733 NW 45TH LN DORAL, FL 33178 | AFLAC | $26 | $0 | $26 | 0.15% |
| JOSEPH J DERTHICK3 | 15428 FLATBUSH AVE NORWALK, CA 90650 | AFLAC | $24 | $0 | $24 | 0.14% |
| JEANNINE CAPPUSO3 Filed as: JEANNINE MARIE CAPPUSO | 44355 DELACROIX LN CLINTON TWP, MI 48038 | AFLAC | $23 | $0 | $23 | 0.14% |
| JESSICA PEREZ3 | 6167 BRISTOL PKWY STE 106 CULVER CITY, CA 90230 | AFLAC | $20 | $0 | $20 | 0.12% |
| ANDREA M MACIAS3 | 7216 TESSERA PKWY LAGO VISTA, TX 78645 | AFLAC | $18 | $0 | $18 | 0.11% |
| RENE CASTRO3 | 5460 E EL PARQUE ST LONG BEACH, CA 90815 | AFLAC | $15 | $0 | $15 | 0.09% |
| TERESA PHILLIPS3 | 1433 E 139TH ST COMPTON, CA 90222 | AFLAC | $14 | $0 | $14 | 0.08% |
| MARCO A ERAZO3 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $12 | $0 | $12 | 0.07% |
| KRISTOPHER KEAHIOLALO3 | 531 HAHAIONE ST APT 11 A HONOLULU, HI 96825 | AFLAC | $11 | $0 | $11 | 0.07% |
| CHRISTOPHER HAGER3 | 44 COLONIAL DR RANCHO MIRAGE, CA 92270 | AFLAC | $10 | $0 | $10 | 0.06% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $8 | $0 | $8 | 0.05% |
| VICTORIA T CAMPBELL3 | 14720 LIBLEN AVE BELLFLOWER, CA 90706 | AFLAC | $7 | $0 | $7 | 0.04% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $6 | $0 | $6 | 0.04% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | $0 | $5 | 0.03% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $4 | $0 | $4 | 0.02% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $3 | $0 | $3 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $3 | $0 | $3 | 0.02% |
| LIVIER MARIA RAMIREZ3 | 1107 FAIR OAKS AVE UNIT 882 SOUTH PASADENA, CA 91030 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W LEMON AVE STE 2 MONROVIA, CA 91016 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK STREET STE 615 CHICAGO, IL 60654 | AFLAC | $2 | $0 | $2 | 0.01% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | $0 | $1 | 0.01% |
| TIMOTHY B ASBY3 | 11500 GOLDEN WILLOW CT ZIONSVILLE, IN 46077 | AFLAC | $1 | $0 | $1 | 0.01% |
| PACIFIC BENEFIT SOLUTIONS LLC3 | PO BOX 5734 KENT, WA 98064 | AFLAC | $1 | $0 | $1 | 0.01% |
| ELIZABETH A LENZO3 | 151 N KENILWORTH AVE APT 1A OAK PARK, IL 60301 | AFLAC | $1 | $0 | $1 | 0.01% |
| IQBAL SINGH BAGGA3 | 10510 66TH AVE APT 5C FOREST HILLS, NY 11375 | AFLAC | $131 | $0 | $131 | 6.30% |
| MARTIN F. CONROY3 | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $49 | $0 | $49 | 2.36% |
| RICHARD PETERSON3 | 19 IDLE DAY DR. CENTERPORT, NY 11721 | AFLAC | $37 | $0 | $37 | 1.78% |
| KENNETH C MEIER CORP3 | 19 MARKWOOD RD GARDEN CITY, NY 11530 | AFLAC | $15 | $0 | $15 | 0.72% |
| JACQUES P DAVID CORPORATION3 | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $5 | $0 | $5 | 0.24% |
| MERYL SURGAN3 | 326 JAEGER AVE MAYWOOD, NJ 07607 | AFLAC | $4 | $0 | $4 | 0.19% |
| BRIAN WHITE3 | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $4 | $0 | $4 | 0.19% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.14% |
| RUSSELL T BARRETT3 | 37 JESSICA TRCE GANSEVOORT, NY 12831 | AFLAC | $2 | $0 | $2 | 0.10% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $1 | $0 | $1 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | DELTA DENTAL OF CALIFORNIA | $92 | $0 | $92 | 5.12% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 230 | $1.8M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 418 | $138K |
| Vision | VISION SERVICE PLAN | 152 | $29K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $103K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $103K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 198 | $103K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 198 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.