| 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 | $19K | $0 | $19K | 6.88% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2824 SAINT ANDREWS BOULECARD FAIRFIELD, CA 94534 | AFLAC | $1K | $90 | $1K | 7.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE AVENUE SUITE 800 SPOKANE, WA 99201 | AFLAC | $428 | $0 | $428 | 2.64% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 6540 GRAND MANAN DRIVE CYPRESS, CA 90630 | AFLAC | $150 | $24 | $174 | 1.07% |
| KENNETH G. BARCLAY3 Filed as: KENNETH BARCLAY | 1218 VIA CANDELAS OCEANSIDE, CA 92056 | AFLAC | $164 | $0 | $164 | 1.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | AFLAC | $114 | $0 | $114 | 0.70% |
| MJ INSURANCE3 Filed as: SHARI BOYCE AND VARIOUS AGENTS | 4953 SOUTH JORDAN AVENUE ONTARIO, CA 91762 | AFLAC | $93 | $17 | $110 | 0.68% |
| G SCOTT COOKE3 Filed as: SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $30 | $0 | $30 | 0.18% |
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 | 445 | $282K |
| Vision | BLUE CROSS OF CALIFORNIA | 445 | $282K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 445 | $282K |
| Short-term disability | AFLAC | 8 | $16K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 445 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.