| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISLAND GROUP PLANS, INC.3 Filed as: ISLAND GROUP PLANS | UNKNOWN LANCASTER, CA 93534 | EMBLEMHEALTH | $86K | — | $86K | 3.35% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $81K | — | $81K | 4.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND COMPANY | PO BOX 6030 PASADENA, CA 91102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $34K | $15K | $50K | 2.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND COMPANY | PO BOX 6030 PASADENA, CA 91102 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $3K | $52K | 3.92% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES | PO BOX 609 SANTA BARBARA, CA 93102 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 1.60% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE, LLC | 7855 SOUTH RIVER PARKWAY, SUITE 210 TEMPE, AZ 85284 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $36K | $39K | 4.99% |
| MARREEL SLATER INSURANCE LLC3 Filed as: MARREEL SLATER INSURANCE, LLC | 2475 WEST QUEEN CREEK ROAD, SUITE 5 CHANDER, AZ 85248 | UNITED HEALTHCARE INSURANCE COMPANY | — | $66 | $66 | 0.01% |
| MJ INSURANCE3 Filed as: ALLAN PROCEL AND VARIOUS AGENTS | 5863 LEVI LANE VAN NUYS, CA 91401 | AFLAC | $35K | $542 | $35K | 5.51% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $20K | $740 | $20K | 3.20% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | 22033 LILAC STREET TEHACHAPI, CA 93561 | AFLAC | $15K | $2K | $17K | 2.61% |
| ROXANNE WISWOSSER3 | 43535 17TH STREET WEST SUITE 501 LANCASTER, CA 93534 | AFLAC | $14K | $771 | $15K | 2.31% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVENUE BAKERSFIELD, CA 93313 | AFLAC | $11K | $443 | $12K | 1.84% |
| VISCO FINANCIAL INC3 Filed as: VISCO FINANCIAL INC. | PO BOX 5570 LANCASTER, CA 93539 | AFLAC | $11K | $423 | $11K | 1.72% |
| NANNETTE STARK3 | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $10K | $375 | $10K | 1.59% |
| ISLAND GROUP PLANS, INC.3 Filed as: ISLAND GROUP PLANS | 3900 VETERANS MEMORIAL HIGHWAY SUITE 240 BOHEMIA, NY 11716 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.11% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY, INC. | 2003 JERICO TURNPIKE NEW HYDE PARK, NY 11040 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $621 | $2K | 1.16% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $6K | $420 | $6K | 7.11% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN E. WALSH | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $5K | $488 | $6K | 6.16% |
| ISLAND GROUP PLANS, INC.3 | 3900 VETS MEMORIAL HIGHWAY SUITE 240 BOHEMIA, NY 11716 | AFLAC | $3K | — | $3K | 3.67% |
| MJ INSURANCE3 Filed as: BRIAN QUATRALE AND VARIOUS AGENTS | 37 SOUTH HOWELLS POINT ROAD BELLPORT, NY 11713 | AFLAC | $1K | — | $1K | 1.18% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $901 | $126 | $1K | 1.14% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $465 | — | $465 | 0.52% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY S. RUPPEL | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $250 | — | $250 | 0.28% |
| DAVID J MCCLELLAN4 Filed as: DAVID E. PAPERNO | 78347 GRAPE ARBOR AVENUE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $10K | — | $10K | 15.84% |
| PAMELA BRINKER4 | 72502 EDGEHILL DRIVE, UNIT 3 PALM DESERT, CA 92260 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 2.16% |
| MJ INSURANCE4 Filed as: KEN PAPERNO AND VARIOUS AGENTS | 5247 SOUTHERN CYPRESS COURT NORTH LAS VEGAS, NV 89031 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 1.71% |
| LAMPLIGHTERS, INC.4 | 36514 TURNER DRIVE PALMDALE, CA 93550 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $510 | — | $510 | 0.82% |
| MARK A. JONES4 | 10671 POINTE MOUNTAIN TOP SPRING VALLEY, CA 91978 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $221 | — | $221 | 0.36% |
| EVA JANSEN4 Filed as: EVA H. JANSEN | 45827 SUTTER CREEK WAY INDIO, CA 92201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $197 | — | $197 | 0.32% |
| KRISTOPHER EVANS4 | 181 GREENWOOD DRIVE LEBANON, TN 37090 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $144 | — | $144 | 0.23% |
| MARRELL SLATER INSURANCE, LLC3 | 7855 RIVER PARKWAY, SUITE 210 TEMPE, AZ 85284 | PRINCIPAL FINANCIAL GROUP | $693 | — | $693 | 7.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | UNKNOWN LANCASTER, CA 93534 | PRINCIPAL FINANCIAL GROUP | $87 | — | $87 | 0.91% |
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 | 6,263 | 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) | 6,263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 332 | $3.4M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,040 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,263 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,263 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,263 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,263 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 332 | $3.4M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,263 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,263 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.