| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARTUNIAN INSURANCE SERVICE3 | 1 CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | AETNA HEALTH, INC. | $148K | $30K | $178K | 6.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 80 SOUTH 8TH STREET, SUITE 4567 MINNEAPOLIS, MN 55402 | AETNA HEALTH, INC. | $45K | — | $45K | 1.52% |
| ARTUNIAN INSURANCE SERVICE3 | 1 CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | AMERITAS LIFE INSURANCE CORP. | $16K | — | $16K | 8.00% |
| ARTUNIAN INSURANCE SERVICE3 | 1 CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.06% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 80 SOUTH 8TH STREET, SUITE 4567 MINNEAPOLIS, MN 55402 | AETNA LIFE INSURANCE COMPANY | $238 | — | $238 | 0.82% |
| ROBERT SANCHEZ3 | 1192 SUNRIVER LANE REDDING, CA 96001 | AFLAC | $626 | — | $626 | 4.63% |
| ARTUNIAN INSURANCE SERVICE3 | 1 CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | AFLAC | $236 | — | $236 | 1.75% |
| LUZ CASTILLO BARRIGA3 Filed as: LUZ BARRIGA | 3100 SOUTH HARBOR BLVD., SUITE 190 SANTA ANA, CA 92704 | AFLAC | $164 | — | $164 | 1.21% |
| MICHAEL BRUNN3 | 6912 220TH ST SW #207 MOUNT LAKE TERRACE, WA 98043 | AFLAC | $145 | — | $145 | 1.07% |
| JAMES P BOADA3 Filed as: JAMES BOADA | 2 HEARTWOOD WAY ALISO VIEJO, CA 92656 | AFLAC | $102 | — | $102 | 0.75% |
| STEVEN T SPEICHINGER3 Filed as: STEVEN SPEICHINGER | 210 KENT STREET WAUSAU, WI 54403 | AFLAC | $80 | — | $80 | 0.59% |
| G SCOTT COOKE3 Filed as: SCOTT BLACKSHEAR | 128 FAIRWAY DRIVE EAST HIDEAWAY, TX 75771 | AFLAC | $51 | — | $51 | 0.38% |
| PEGGY K SALMON3 Filed as: PEGGY SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $46 | — | $46 | 0.34% |
| DUANE FRY3 | 3100 S. HARBOR BLVD., SUITE 190 SANTA ANA, CA 92704 | AFLAC | $35 | — | $35 | 0.26% |
| SUWAT ASSAWAMATIYANONT3 | 1901 NE 59TH COURT FT. LAUDERDALE, FL 33308 | AFLAC | $33 | — | $33 | 0.24% |
| ERNESTO GONZALEZ3 | 310 AMES WAY PISMO BEACH, CA 93449 | AFLAC | $18 | — | $18 | 0.13% |
| SARAH WATSON3 | P.O. BOX 1288 CYPRESS, CA 90630 | AFLAC | $12 | — | $12 | 0.09% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 5983 LA PLACE COURT, SUITE 310 CARLSBAD, CA 92008 | AFLAC | $11 | — | $11 | 0.08% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ INS. SERVICES, INC. | 255 E. RINCON STREET, SUITE 110 CORONA, CA 92879 | AFLAC | $5 | — | $5 | 0.04% |
| EMME LEE3 | 3100 S. HARBOR BLVD. SANTA ANA, CA 92704 | AFLAC | $3 | — | $3 | 0.02% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 583 | $3.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 264 | $200K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 264 | $200K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 261 | $29K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 583 | $3.0M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 261 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.