| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YASHAR DARIUSH3 | 15445 VENTURA BLVD SUITE 450 SHERMAN OAKS, CA 91403 | BLUE SHIELD OF CALIFORNIA | $65K | — | $65K | 5.00% |
| DARIUSH ROOHOLAH YASHAR3 | 15445 VENTURA BLVD #450 SHERMAN OAKS, CA 914033005 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.46% |
| DUANE FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1K | — | $1K | 3.84% |
| CHERYL HAYES3 | 611 N HILL STREET SILOAM SPRINGS, AR 72761 | AFLAC | $444 | $18 | $462 | 1.46% |
| CARLOS TORRES VELASCO3 Filed as: CARLOS VELASCO | 215 N BARRANCA AVE APT 0 COVINA, CA 91723 | AFLAC | $262 | $40 | $302 | 0.96% |
| JUDSON T LAW3 Filed as: JUDSON LAW | 7654 N WILLOW WALK LN EAGLE MOUNTAIN, UT 84005 | AFLAC | $279 | — | $279 | 0.88% |
| NICHOLAS RYAN DERRICO3 Filed as: NICHOLAS D'ERRICO | 1745 W ORANGEWOOD AVE STE 212 ORANGE, CA 92868 | AFLAC | $170 | — | $170 | 0.54% |
| CYNTHIA LUQUIN3 | 2001 E FINANCIAL WAYD STE 201 GLENDORA, CA 91741 | AFLAC | $141 | $8 | $149 | 0.47% |
| SANDRA MARIE FRY3 Filed as: SANDRA FRY | 1355 LAURA CT TEMPLETON, CA 93465 | AFLAC | $122 | $17 | $139 | 0.44% |
| KALIE R GILBERT3 Filed as: KALIE GILBERT | 3511 E MADISON DR SUITE 201 FAYETTEVILLE, AR 72701 | AFLAC | $133 | — | $133 | 0.42% |
| PATRICK J SCHLAF3 Filed as: PATRICK SCHLAF | 155 N RIVERVIEW DR STE 110 ANAHEIM, CA 92808 | AFLAC | $121 | $0 | $121 | 0.38% |
| DAVID REESOR3 | 2001 E FINANCIAL WAY STE 201 GLENDORA, CA 91741 | AFLAC | $110 | $8 | $118 | 0.37% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 1201 MAIN ST STE 2300 COLUMBIA, SC 29201 | AFLAC | $104 | — | $104 | 0.33% |
| WILILAM HURLEY3 | 7125 CHILTON TYLER, TX 75701 | AFLAC | $82 | $18 | $100 | 0.32% |
| STEPHEN GRAY3 | 4806 LAWSON LAKE LANE RICHMOND, TX 77407 | AFLAC | $95 | — | $95 | 0.30% |
| ANTOINETTE GARCIA3 | 3100 S HARBOR BLVD SUITE 190 SANTA ANA, CA 92704 | AFLAC | $81 | — | $81 | 0.26% |
| STEVEN T SPEICHINGER3 Filed as: STEVEN SPEICHINGER | 210 KENT ST WAUSAU, WI 54403 | AFLAC | $80 | — | $80 | 0.25% |
| JAMES EDWIN REED3 Filed as: JAMES REED | 8224 SAN MARCO AVE SPRINGDALE, AR 72762 | AFLAC | $72 | — | $72 | 0.23% |
| THERESA THACH3 | 1829 S PRIMROSE AVE ALHAMBRA, CA 91803 | AFLAC | $55 | — | $55 | 0.17% |
| THOMPSON & ASSOCIATES INSURANCE INC3 | 2743 S SANDPIPER AVE ONTARIO, CA 91761 | AFLAC | $54 | — | $54 | 0.17% |
| DAVID J MCCLELLAN3 Filed as: DAVID HANNANT | 14830 NE 167TH ST WOODINVILLE, WA 98072 | AFLAC | $51 | — | $51 | 0.16% |
| EMMETT K LEE3 Filed as: EMMETT LEE | 9 SCHUBERT CT IRVINE, CA 92617 | AFLAC | $45 | — | $45 | 0.14% |
| G SCOTT COOKE3 Filed as: SCOTT BLACKSHEAR | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $43 | — | $43 | 0.14% |
| ERNESTO GONZALEZ3 Filed as: ERNESTO GONZALEZ INS SERVICES CORP | 1618 SANTILLAN AVE SANTA MARIA, CA 93458 | AFLAC | $29 | $3 | $32 | 0.10% |
| RONALD BENTLEY3 | 6301 FIELDCREST DR FORT SMITH, AR 72916 | AFLAC | $31 | — | $31 | 0.10% |
| STEPHANIE J SCHLAF3 Filed as: STEPHANIE SCHLAF | 155 N RIVERVIEW DR STE 110 ANAHEIM, CA 92808 | AFLAC | $27 | — | $27 | 0.09% |
| DANIEL TYLER ADAMSON3 Filed as: DANIEL ADAMSON | 2700 N MAIN ST STE 601 SANTA ANA, CA 92705 | AFLAC | $24 | — | $24 | 0.08% |
| GARY W WARE JR3 Filed as: GARY WARE JR | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $24 | — | $24 | 0.08% |
| MIGUEL DESCALZO JR3 | 957 S CASPER WAY ANAHEIM, CA 92808 | AFLAC | $21 | — | $21 | 0.07% |
| ESTHER MORENO3 | 7234 BENARES ST DOWNEY, CA 90241 | AFLAC | $20 | — | $20 | 0.06% |
| ROGER D. IRION3 Filed as: ROGER IRION | 1375 E GRAND AVE 111 ARROYO GRANDE, CA 93420 | AFLAC | $18 | — | $18 | 0.06% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $15 | $3 | $18 | 0.06% |
| YOLANDA ARELLANO3 | 220 E CAMERON AVE APT C VISALIA, CA 93277 | AFLAC | $16 | — | $16 | 0.05% |
| KRISTEN BRUNZELL3 | 17291 IRVINE BLVD STE 385 TUSTIN, CA 92780 | AFLAC | $14 | — | $14 | 0.04% |
| ROBERT SANCHEZ3 | 39607 VIA DOMINIQUE MURRIETA, CA 92563 | AFLAC | $14 | — | $14 | 0.04% |
| ROBERT POTTER3 | 445 CANYON DR MESQUITE, NV 89027 | AFLAC | $14 | — | $14 | 0.04% |
| JOSH MITTMANN3 | 741 LEMOORE ST PISMO BEACH, CA 93449 | AFLAC | $12 | $1 | $13 | 0.04% |
| BARRY MCPHERSON INC3 | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $12 | — | $12 | 0.04% |
| KAREN M HUGHES3 Filed as: KAREN HUGHES | 3120 NE 47TH ST FORT LAUDERDALE, FL 33308 | AFLAC | $10 | — | $10 | 0.03% |
| JEFFREY MERTEN3 | 906 NW LEWISBURG AVE CORVALLIS, OR 97330 | AFLAC | $8 | — | $8 | 0.03% |
| ERIN ANNE PURDY3 Filed as: ERIN PURDY | 7511 22ND AVE W BRADENTON, FL 34209 | AFLAC | $6 | — | $6 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAYTOWN CONWAY, AR 72034 | AFLAC | $6 | — | $6 | 0.02% |
| TOMMY C FLEESON3 Filed as: TOMMY FLEESON | 1300 SHETTER AVE APT 1041 JACKSONVILLE BEACH, FL 32250 | AFLAC | $4 | — | $4 | 0.01% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 4531 VALLECITO LN YORBA LINDA, CA 92886 | AFLAC | $3 | — | $3 | 0.01% |
| CRISTHIAN MARTINEZ3 | 495 E RINCON ST STE 210 CORONA, CA 92879 | AFLAC | $3 | — | $3 | 0.01% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $3 | — | $3 | 0.01% |
| OWEN JOHNSTON3 | 796 N HART ST ORANGE, CA 92867 | AFLAC | $2 | $1 | $3 | 0.01% |
| AMANDA M GRIFFITH3 Filed as: AMANDA GRIFFITH | 11400 SE 8TH STREET #375 BELLEVUE, WA 98004 | AFLAC | $2 | — | $2 | 0.01% |
| DANIEL MARTIN BREDESON3 Filed as: DANIEL BREDESON | 3220 S HIGUERA STREET SUITE 309 SAN LUIS OBISPO, CA 93401 | AFLAC | $2 | — | $2 | 0.01% |
| IOANNIS T GRATSINOPOULOS3 Filed as: IOANNIS GRATSINOPOULOS | 3565 SUMMERLINN DR WEST LINN, OR 97068 | AFLAC | $1 | $1 | $2 | 0.01% |
| BANZAI INSURANCE SOLUTIONS INC3 | 344 THOMAS L BERKLEY WAYO SUITE 238 OAKLAND, CA 94612 | AFLAC | $1 | — | $1 | 0.00% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $1 | — | $1 | 0.00% |
| ALBERT MARZULLO3 | 161 PINE COVE KYLE, TX 78640 | AFLAC | $1 | — | $1 | 0.00% |
| MARK J WOOD3 Filed as: MARK WOOD | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $1 | — | $1 | 0.00% |
| LIVIER MARIA RAMIREZ3 Filed as: LIVIER RAMIREZ | 1107 FAIR OAK AVE UNIT 882 SOUTH PASADENA, CA 91030 | AFLAC | $1 | — | $1 | 0.00% |
| REBECCA LYNN CARTER3 Filed as: REBECCA CARTER | 436 RIVERLYN DR FAYETTEVILLE, AR 72703 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY T JOHNSON3 Filed as: JEFFREY JOHNSON | 15590 SYRACUSE LANE FONTANA, CA 92336 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 S HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 190 | $1.3M |
| Life insurance | AFLAC | 46 | $32K |
| Long-term disability | AFLAC | 46 | $32K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 190 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.