| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $186K | $15K | $202K | 3.31% |
| ISLAND GROUP PLANS, INC.3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 303 HOLBROOK, NY 11741 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $106K | $111K | 1.82% |
| ATLANTIC GROUP PLANS, LLC3 | 11 HEARTHSTONE LANE NESCONSET, NY 11767 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $106K | $111K | 1.82% |
| FINANCIAL LIBERTY GROUP3 | 115 BROAD HOLLOW ROAD, SUITE 375 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $85K | $85K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 408 FRESNO, CA 93720 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $184K | $0 | $184K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $26K | $26K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $15K | $0 | $15K | 1.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $34K | $61K | 8.80% |
| GALLAGHER BENEFIT SERVICES, INC.4 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $15K | $0 | $15K | 17.00% |
| MJ INSURANCE3 Filed as: JOHN J MACIAS JR AND VARIOUS AGENTS | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $2K | $21 | $2K | 3.45% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $2K | $23 | $2K | 3.24% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $2K | $23 | $2K | 2.79% |
| ROCHELLE R MAURER3 Filed as: ROCHELLE R. MAURER | 3031 PERO DRIVE LAKE HAVASU CITY, AZ 86404 | AFLAC | $567 | $0 | $567 | 0.78% |
| ROXANNE WISWOSSER3 | 1004 GEORGIA STREET TEHACHAPI, CA 93561 | AFLAC | $553 | $0 | $553 | 0.76% |
| FRANK A. VISCO3 | PO BOX 5570 LANCASTER, CA 93539 | AFLAC | $435 | $0 | $435 | 0.60% |
| MONUMENT COMMERCIAL INS SVCS INC3 Filed as: MONUMENT COMMERICAL INS. SVCS, INC. | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $368 | $0 | $368 | 0.51% |
| ISLAND GROUP PLANS, INC.3 | 3900 VETERAN'S MEMORIAL HIGHWAY SUITE 360 BOHEMIA, NY 11716 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. OF NY | $4K | $0 | $4K | 9.41% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN E. WALSH | 112 NORWOOD AVENUE NORTHPORT, NY 11768 | AFLAC | $2K | $0 | $2K | 10.05% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $1K | $0 | $1K | 4.20% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $466 | $0 | $466 | 1.90% |
| ISLAND GROUP PLANS, INC.3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 303 HOLBROOK, NY 11741 | AFLAC | $210 | $0 | $210 | 0.86% |
| MJ INSURANCE3 Filed as: JOANNA FERGUSON AND VARIOUS AGENTS | 242 WEST END AVENUE MASSAPEQUA, NY 11758 | AFLAC | $172 | $0 | $172 | 0.70% |
| BARBARA FONTI3 | PO BOX 2214 HUNTINGTON, NY 11743 | AFLAC | $119 | $0 | $119 | 0.49% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S. RUPPEL | 70 VICTORIA DRIVE HILTON HEAD ISLAND, SC 29926 | AFLAC | $46 | $0 | $46 | 0.19% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $666 | $28 | $694 | 3.15% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $642 | $28 | $670 | 3.04% |
| MJ INSURANCE3 Filed as: STEPHEN RALSTON AND VARIOUS AGENTS | 2600 PARK MEADOWS DRIVE, SUITE C104 BAKERSFIELD, CA 93308 | AFLAC | $402 | $26 | $428 | 1.94% |
| ROXANNE WISWOSSER3 | 1004 GEORGIA STREET TEHACHAPI, CA 93561 | AFLAC | $248 | $0 | $248 | 1.13% |
| ROCHELLE R MAURER3 Filed as: ROCHELLE R. MAURER | 3031 PERO DRIVE LAKE HAVASU CITY, AZ 86404 | AFLAC | $177 | $0 | $177 | 0.80% |
| FRANK A. VISCO3 | PO BOX 5570 LANCASTER, CA 93539 | AFLAC | $120 | $0 | $120 | 0.55% |
| DANIEL COLE3 Filed as: DANIEL B. COLE | 1632 CHRISTINA COURT PASO ROBLES, CA 93446 | AFLAC | $53 | $0 | $53 | 0.24% |
| FRANK A. VISCO3 | PO BOX 5570 LANCASTER, CA 93539 | AFLAC | $216 | $0 | $216 | 3.26% |
| MJ INSURANCE3 Filed as: SHARON M COCHRAN AND VARIOUS AGENTS | 2807 CAMBRIDGE LANE MISSOURI CITY, TX 77459 | AFLAC | $112 | $0 | $112 | 1.69% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $97 | $0 | $97 | 1.47% |
| JENNIFER E MACIAS3 Filed as: JENNIFER E. MACIAS | 950 NORTH UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $40 | $0 | $40 | 0.60% |
| STEPHEN MICHAEL RALSTON3 | 2600 PARK MEADOWS DRIVE, SUITE C104 BAKERSFIELD, CA 93308 | AFLAC | $38 | $0 | $38 | 0.57% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $30 | $0 | $30 | 0.45% |
| MONUMENT COMMERCIAL INS SVCS INC3 Filed as: MONUMENT COMMERICAL INS. SVCS, INC. | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $23 | $0 | $23 | 0.35% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $142 | $0 | $142 | 2.48% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $139 | $0 | $139 | 2.43% |
| MJ INSURANCE3 Filed as: KATHLEEN RENDON AND VARIOUS AGENTS | 4337 1/2 WEST AVENUE L2 LANCASTER, CA 93536 | AFLAC | $89 | $0 | $89 | 1.56% |
| BRENDA S HAMILTON3 Filed as: BRENDA S. HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | AFLAC | $46 | $0 | $46 | 0.80% |
| ROXANNE WISWOSSER3 | 1004 GEORGIA STREET TEHACHAPI, CA 93561 | AFLAC | $40 | $0 | $40 | 0.70% |
| STEPHEN MICHAEL RALSTON3 | 2600 PARK MEADOWS DRIVE, SUITE C104 BAKERSFIELD, CA 93308 | AFLAC | $38 | $0 | $38 | 0.66% |
| ROCHELLE R MAURER3 Filed as: ROCHELLE R. MAURER | 3031 PERO DRIVE LAKE HAVASU CITY, AZ 86404 | AFLAC | $31 | $0 | $31 | 0.54% |
| MJ INSURANCE3 Filed as: VIVIAN I LOTTS AND VARIOUS AGENTS | 7700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 721 AUSTIN, TX 78731 | AFLAC | $213 | $0 | $213 | 3.80% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $121 | $0 | $121 | 2.16% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $99 | $0 | $99 | 1.77% |
| LINDSAY ANN CHRISTENSEN3 | 4212 HOOKBILLED KITE BEE CAVE, TX 78738 | AFLAC | $89 | $0 | $89 | 1.59% |
| HAROLD B CHRISTENSEN3 Filed as: HAROLD B. CHRISTENSEN | 4212 HOOKBILLED KITE BEE CAVE, TX 78738 | AFLAC | $52 | $0 | $52 | 0.93% |
| FRANK A. VISCO3 | PO BOX 5570 LANCASTER, CA 93539 | AFLAC | $39 | $0 | $39 | 0.70% |
| DENISE LEE MANISCALCO3 | 5821 MARY LOU STREET PAHRUMP, NV 89061 | AFLAC | $32 | $0 | $32 | 0.57% |
| MJ INSURANCE Filed as: NANETTE STARK AND VARIOUS AGENTS | 5805 SEPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $253 | $0 | $253 | 5.14% |
| CHERYL O'BRIEN3 | 140 SOUTH DOLLIVER STREET SUITE 104 PISMO BEACH, CA 93449 | AFLAC | $86 | $0 | $86 | 1.75% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $44 | $0 | $44 | 0.89% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $44 | $0 | $44 | 0.89% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $41 | $0 | $41 | 0.83% |
| VIVIAN I. LOTTS3 | 7700 NORTH CAPITAL OF TEXAS HIGHWAY SUITE 721 AUSTIN, TX 78731 | AFLAC | $38 | $0 | $38 | 0.77% |
| DAVID SMITH3 Filed as: DAVID MATTHEW SMITH | 2001 EAST FINANCIAL WAY, SUITE 200 GLENDORA, CA 91741 | AFLAC | $36 | $0 | $36 | 0.73% |
| LISA BETH RENTERIA3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 2.24% |
| OMEGA FINANCIAL AND INS. SOLUTIONS3 | 4663 CREEPING FIG COURT LAS VEGAS, NV 89129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.92% |
| CHANDA MANSKE3 | 826 ANN MARIE CIRCLE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.46% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE SUITE 112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.37% |
| CRTX2 LLC3 Filed as: CRTX2, LLC | 826 ANN MARIE CIRCLE BOWLING GREEN, KY 42103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.37% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $25 | $0 | $25 | 3.49% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $25 | $0 | $25 | 3.49% |
| ROXANNE WISWOSSER3 | 1004 GEORGIA STREET TEHACHAPI, CA 93561 | AFLAC | $13 | $0 | $13 | 1.81% |
| ROCHELLE R MAURER3 Filed as: ROCHELLE R. MAURER | 3031 PERO DRIVE LAKE HAVASU CITY, AZ 86404 | AFLAC | $7 | $0 | $7 | 0.98% |
| CYNTHIA JAYNE GOODNICK3 | 1607 NORTH MOUNTAIN AVENUE SUITE 238 UPLAND, CA 91784 | AFLAC | $4 | $0 | $4 | 0.56% |
| MJ INSURANCE3 Filed as: TERRANCE LUCZAJ AND VARIOUS AGENTS | 27 DIETES COURT LADERA RANCH, CA 92694 | AFLAC | $2 | $0 | $2 | 0.28% |
| CHRISTOPHER S. DISBROW3 | 10981 LOYOLA COURT RANCHO CUCAMONGA, CA 91701 | AFLAC | $1 | $0 | $1 | 0.14% |
| ELIZABETH ANN SELLARS3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $18 | $0 | $18 | 3.47% |
| MANDY L. LOUGHLIN3 | 257 BALSAM STREET RIDGECREST, CA 93555 | AFLAC | $17 | $0 | $17 | 3.28% |
| ROCHELLE R MAURER3 Filed as: ROCHELLE R. MAURER | 3031 PERO DRIVE LAKE HAVASU CITY, AZ 86404 | AFLAC | $8 | $0 | $8 | 1.54% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $4 | $0 | $4 | 0.77% |
| CHARLES EDWARD PERRY3 | 11638 TORREY PINES DRIVE AUBRUN, CA 95602 | AFLAC | $1 | $0 | $1 | 0.19% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIRCLE WOODLAND, CA 95695 | AFLAC | $1 | $0 | $1 | 0.19% |
| BRENDA S HAMILTON3 Filed as: BRENDA S. HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | AFLAC | $1 | $0 | $1 | 0.19% |
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 | 4,627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 101 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $6.8M |
| Dental(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,899 | $8.4M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,329 | $816K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,627 | $1.9M |
| Short-term disability(10 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,627 | $2.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,627 | $1.8M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $6.8M |
| Other(13 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,627 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,329 | — |
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.