| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30004 | BLUE CROSS OF CALIFORNIA | $30K | $386 | $30K | 7.11% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | -$1K | $0 | -$1K | -0.27% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 2144 DENA DRIVE CONCORD, CA 94519 | AFLAC | $5K | $27 | $5K | 13.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | AFLAC | $3K | $0 | $3K | 9.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SVCS. AND OTHER AGENTS | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $857 | $0 | $857 | 2.48% |
| JEFFREY WAYNE GUNDERSON3 | 2144 DENA DRIVE CONCORD, CA 94519 | AFLAC | $758 | $0 | $758 | 2.19% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 1561 EAST ORANGETHORP AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $610 | $0 | $610 | 1.76% |
| KENNETH SOTHERLUND3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $470 | $0 | $470 | 1.36% |
| JEFFREY WAYNE GUNDERSON3 | 4531 VALLECITO LANE YORBA LINDA, CA 92886 | AFLAC | $234 | $0 | $234 | 0.68% |
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 | 1,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF CALIFORNIA | 689 | $429K |
| Vision | BLUE CROSS OF CALIFORNIA | 689 | $429K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 689 | $429K |
| Short-term disability | AFLAC | 12 | $35K |
| Long-term disability | AFLAC | 12 | $35K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 689 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
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.