| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YASHAR DARIUSH3 | 15445 VENTURA BLVD SUITE 450 SHERMAN OAKS, CA 91403 | BLUE SHIELD OF CALIFORNIA | $59K | — | $59K | 5.11% |
| DUANE FRY3 Filed as: DUANE ANDREY FRY | 541 HIGUERA ST. STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1K | $22 | $1K | 4.40% |
| LESI J GAY3 | 57 PIMLICO DR. BELLA VISTA, AR 72715 | AFLAC | $702 | — | $702 | 2.41% |
| CARLOS TORRES VELASCO3 | 215 N BARRANCA AVE. APT. O COVINA, CA 91723 | AFLAC | $553 | $30 | $583 | 2.00% |
| CHERYL HAYES3 | 611 N HILL STREET SILOAM SPRINGS, AR 72761 | AFLAC | $233 | — | $233 | 0.80% |
| JUDSON T LAW3 | 7654 WILLOW WALK LN EAGLE MOUNTAIN, UT 84005 | AFLAC | $233 | — | $233 | 0.80% |
| CYNTHIA LUQUIN3 | 2001 E FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $178 | $15 | $193 | 0.66% |
| ASHLEY N WALKER3 | 10320 PULLUM PLACE RD RODGERS, AR 72756 | AFLAC | $183 | — | $183 | 0.63% |
| PATRICK J SCHLAF3 | 155 N RIVERVIEW DR SUITE 110 ANAHEIM, CA 92808 | AFLAC | $151 | — | $151 | 0.52% |
| SANDRA MARIE FRY3 | 1355 LAURA CT TEMPLETON, CA 93465 | AFLAC | $150 | — | $150 | 0.52% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS R D'ERRICO | 1745 W ORANGEWOOD AVE SUITE 212 ORANGE, CA 92868 | AFLAC | $145 | — | $145 | 0.50% |
| DAVID J REESOR3 | 2001 E FINANCIAL WAY STE 201 GLENDORA, CA 91741 | AFLAC | $135 | — | $135 | 0.46% |
| WILLIAM M HURLEY3 | 609 SW 8TH ST. SUITE 800 BENTONVILLE, AR 72712 | AFLAC | $122 | — | $122 | 0.42% |
| STEVEN T SPEICHINGER3 | 210 KENT ST. WAUSAU, WI 54403 | AFLAC | $75 | — | $75 | 0.26% |
| ANTOINETTE GARCIA3 Filed as: ANTOINETTE M GARCIA | 3100 S HARBOR BLVD STE 190 SANTA ANA, CA 92704 | AFLAC | $69 | — | $69 | 0.24% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST. SUITE 2300 COLUMBIA, SC 29201 | AFLAC | $65 | — | $65 | 0.22% |
| KALIER R GILBERT3 | 3511 E MADISON DR FAYETTEVILLE, AR 72701 | AFLAC | $62 | — | $62 | 0.21% |
| EMMETT K LEE3 | 2618 SAN MIGUEL DR 315 NEWPORT BEACH, CA 92660 | AFLAC | $53 | — | $53 | 0.18% |
| THERESA THACH3 Filed as: THERESA C THACH | 1820 S PRIMROSE AVE ALAHAMBRA, CA 91803 | AFLAC | $46 | — | $46 | 0.16% |
| THOMPSON & ASSOCIATES INSURANCE INC3 Filed as: THOMPSON & ASSOCIATES INSURANCE | 2001 FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $45 | — | $45 | 0.15% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $43 | — | $43 | 0.15% |
| BARRY MCPHERSON INC3 Filed as: BARRY MOPHERSON INC | 2211 MICHELSON DR SUITE 1150 IRVINE, CA 92612 | AFLAC | $38 | — | $38 | 0.13% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 11811 NE 1ST STE A203 BELLEVUE, WA 98005 | AFLAC | $37 | — | $37 | 0.13% |
| ERNESTO GONZALEZ3 Filed as: ERNESTO GONZALEZ INS SERVICES CORP | 310 JAMES WAY STE. 150 PISMO BEACH, CA 93449 | AFLAC | $28 | — | $28 | 0.10% |
| DANIEL COLE3 Filed as: DANIEL B COLE | 5583 CALIFORNIA AVE SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $26 | — | $26 | 0.09% |
| STEPHANIE J SCHLAF3 Filed as: STEPHANIE J SCLAF | 155 N RIVERVIEW DR SUITE 110 ANAHEIM, CA 92808 | AFLAC | $26 | — | $26 | 0.09% |
| TERRANCE M LUCZAJ3 | 255 E RINCON ST SUITE 110 CORONA, CA 92579 | AFLAC | $26 | — | $26 | 0.09% |
| JAMES EDWIN REED3 | 224 SAN MARCO AVE SPRINGDALE, AR 72762 | AFLAC | $24 | — | $24 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL T ADAMSON | 2700 N MAIN ST SUITE 620 SANTA ANA, CA 92705 | AFLAC | $22 | — | $22 | 0.08% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DR CHAMPAIGHN, IL 61822 | AFLAC | $20 | — | $20 | 0.07% |
| MIGUEL DESCALZO JR3 Filed as: MIGUEL EDWARD DESCALZO JR | 957 S CASPER WAY ANAHIEM, CA 92808 | AFLAC | $18 | — | $18 | 0.06% |
| WILLIAM M HURLEY3 | 206 WATERMARK VICTORIA, TX 77904 | AFLAC | $16 | — | $16 | 0.05% |
| DAVID EMERSON3 | 4820 LAKE BROOK DR SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $16 | — | $16 | 0.05% |
| ROGER D. IRION3 Filed as: ROGER DARION | 1375 E GRAND AVE 111 ARROYO GRANDE, CA 93420 | AFLAC | $15 | — | $15 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD JOE BENTLEY | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $15 | — | $15 | 0.05% |
| JERRY A CALLAHAN3 | 2750 WHISPER CT DOUGLASVILLE, GA 30135 | AFLAC | $15 | — | $15 | 0.05% |
| ESTHER CORRAL3 | 7234 BENARES ST DOWNEY, CA 90241 | AFLAC | $15 | — | $15 | 0.05% |
| YOLANDA L ARELLANO3 | 220 E CAMERON AVE APT C VISALIA, CA 92377 | AFLAC | $15 | — | $15 | 0.05% |
| KRISTEN BRUNZELL3 Filed as: KRISTEN M BRUNZELL | 17291 IRVINE BLVD STE 385 TUSTIN, CA 92780 | AFLAC | $13 | — | $13 | 0.04% |
| ROBER D SANCHEZ3 | 1192 SUNRIVER LANE REDDING, CA 96001 | AFLAC | $12 | — | $12 | 0.04% |
| JAMES EDWIN REED3 | 3090 BIRCH PL SPRINGDALE, AR 72762 | AFLAC | $10 | — | $10 | 0.03% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15500 CRABBS BARNCH WAY SUITE 350 ROCKVILLE, MD 20855 | AFLAC | $9 | — | $9 | 0.03% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DR SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $8 | — | $8 | 0.03% |
| KAREN M HUGHES3 Filed as: KAREN M HUGES | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $8 | — | $8 | 0.03% |
| JEFFORY P MERTEN3 | 906 NW LEWISBERG AVE CORVALLIS, OR 97330 | AFLAC | $7 | — | $7 | 0.02% |
| ESTHER CORRAL3 | 25885 CROSS CREEK DR APT A YORBA LINDA, CA 92837 | AFLAC | $6 | — | $6 | 0.02% |
| LEAN POTTER3 | 45 CANYON DR MESQUITE, NV 89027 | AFLAC | $6 | — | $6 | 0.02% |
| ERIN ANNE PURDY3 | 7511 22ND AVE W BRADENTON, FL 34209 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOHN HANNANT | 14830 NE 167TH ST WOODINVILLE, WA 98072 | AFLAC | $4 | — | $4 | 0.01% |
| JOSH MITTMANN3 Filed as: JOSH D MITTMANN | 741 WHITE OAK BLVD PISMO BEACH, CA 93449 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTHIAN MARTINEZ3 | 495 E RINCON ST CORONA, CA 92879 | AFLAC | $4 | — | $4 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $3 | — | $3 | 0.01% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES INC. | 541 HIGUERA ST SUITE 300 SAN LUIS OBISPO, CA 93401 | 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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 173 | $1.1M |
| Dental | BLUE SHIELD OF CALIFORNIA | 173 | $1.1M |
| Vision | BLUE SHIELD OF CALIFORNIA | 173 | $1.1M |
| Life insurance | AFLAC | 46 | $29K |
| Long-term disability | AFLAC | 46 | $29K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 173 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.