| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINCENT K PAPPADATO - PO3 | BOX 800189 SANTA CLARITA, CA 91380 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $37K | — | $37K | 4.88% |
| JEREMY P KRENKLER3 | 2888 LOKER AVE E STE 210 CARLSBAD, CA 92010 | AFLAC | $3K | — | $3K | 29.61% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 11637 GORHAM AVE APT 108 LOS ANGELES, CA 90049 | AFLAC | $305 | — | $305 | 3.01% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 12121 WILSHIRE BLVD STE 1000 LOS ANGELES, CA 90025 | AFLAC | $87 | — | $87 | 0.86% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DR OXNARD, CA 93035 | AFLAC | $83 | — | $83 | 0.82% |
| ANNETTE L. BURNS3 Filed as: ANNETTE L BURNS | 28303 BRYCE DR CASTAIC, CA 91384 | AFLAC | $80 | — | $80 | 0.79% |
| TOMMY L JOHNSON JR3 | 711 S OLIVE ST APT 314 LOS ANGELES, CA 90014 | AFLAC | $48 | — | $48 | 0.47% |
| J&J KRENKLER INSURANCE SERVICES INC3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $41 | — | $41 | 0.40% |
| JAIME PUERTA3 Filed as: JAIME I PUERTA | 28443 SANTA CATARINA RD SANTA CLARITA, CA 91350 | AFLAC | $39 | — | $39 | 0.38% |
| OLENA K SHEA3 | 3 MITCHELL PL UNIT 18C NEW YORK, NY 10017 | AFLAC | $31 | — | $31 | 0.31% |
| JOSEPH LINVILLE3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $25 | — | $25 | 0.25% |
| ADAM H MICHAELS3 | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $24 | — | $24 | 0.24% |
| CATHY J CRENSHAW3 | PO BOX 2564 PASO ROBLES, CA 93447 | AFLAC | $23 | — | $23 | 0.23% |
| JEREMY P KRENKLER3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $22 | — | $22 | 0.22% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $20 | — | $20 | 0.20% |
| ILIC-STONE INS SERVICES INC3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | AFLAC | $18 | — | $18 | 0.18% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $18 | — | $18 | 0.18% |
| DAWN T SUCHECKI3 Filed as: DAWN M TYACK | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $17 | — | $17 | 0.17% |
| GUSTAVO ARRIAGA II3 | 1140 MANGROVE AVE STE D CHICO, CA 95925 | AFLAC | $16 | — | $16 | 0.16% |
| RMANN GROUP INC3 | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | AFLAC | $15 | — | $15 | 0.15% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $9 | — | $9 | 0.09% |
| ERNESTO T GONZALEZ3 | 22720 CANYON VIEW DR CORONA, CA 92883 | AFLAC | $9 | — | $9 | 0.09% |
| GUSTAVO ARRIAGA II3 | 5237 N RIVERSIDE DR STE 207 FORT WORTH, TX 76137 | AFLAC | $8 | — | $8 | 0.08% |
| MICHAEL S NOLAN3 | 1445 E LOS ANGELES AVE STE 208 SIMI VALLEY, CA 93065 | AFLAC | $6 | — | $6 | 0.06% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVE LOS ANGELS, CA 90045 | AFLAC | $5 | — | $5 | 0.05% |
| JOSH N GORDON3 | 452 BRISTOL AVE SIMI VALLEY, CA 93065 | AFLAC | $4 | — | $4 | 0.04% |
| CHRISTOPHER L KENNEDY3 | 2888 LOKER AVE E STE 210 CARLSBAD, CA 92010 | AFLAC | $4 | — | $4 | 0.04% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $4 | — | $4 | 0.04% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $3 | — | $3 | 0.03% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.02% |
| VANZANTEN INSURANCE SERVICES INC3 | 33530 PAUBA RD TEMECULA, CA 92592 | AFLAC | $2 | — | $2 | 0.02% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $1 | — | $1 | 0.01% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META DR CORNELIUS, NC 28031 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.01% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $1 | — | $1 | 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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $764K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $764K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $764K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $764K |
| Short-term disability | AFLAC | 14 | $10K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.