| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTERGRATED INSURANCE SVCS. | PO BOX 609 SANTA BARBARA, CA 93102 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $72K | $115K | 10.57% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.30% |
| MJ INSURANCE3 Filed as: ROCHELLE MAUER AND VARIOUS AGENTS | 11513 ORCAS AVENUE LAKE VIEW TERRACE, CA 91342 | AFLAC | $41K | $2K | $43K | 6.31% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $18K | $1K | $19K | 2.78% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | 22033 LILAC STREET TEHACHAPI, CA 93561 | AFLAC | $16K | $1K | $18K | 2.57% |
| NANETTE STARK3 | 5805 SEPULVA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $14K | $741 | $15K | 2.18% |
| VISCO FINANCIAL INC3 Filed as: VISCO FINANCIAL INC. | PO BOX 5570 LANCASTER, CA 93539 | AFLAC | $12K | $606 | $13K | 1.86% |
| ROXANNE K. WISWOSSER3 Filed as: ROXANNE WISWOSSER INS. AGCY., INC. | 43535 17TH STREET WEST, SUITE 501 LANCASTER, CA 93534 | AFLAC | $9K | $582 | $9K | 1.38% |
| CHERYL O'BRIEN3 Filed as: CHERYL OBRIEN | 3509 STONECREEK AVENUE SUITE 700 BAKERSFIELD, CA 93313 | AFLAC | $7K | $422 | $7K | 1.06% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTERGRATED INSURANCE SVCS. | PO BOX 609 SANTA BARBARA, CA 91102 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 3.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD ASSOCIATION, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $281 | — | $281 | 0.07% |
| ASSUREX3 Filed as: ASSUREX AGENCY, INC. | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | -$22 | — | -$22 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND COMPANY | PO BOX 6030 PASADENA, CA 91102 | METROPOLITAN LIFE INSURANCE COMPANY | -$45 | — | -$45 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | AETNA LIFE INSURANCE COMPANY | — | $9K | $9K | 4.75% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK ROAD HUNTINGTON, NY 11743 | AFLAC | $5K | $314 | $5K | 6.80% |
| KIRSTEN E WALSH3 Filed as: KIRSTEN WALSH | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $2K | $190 | $3K | 3.49% |
| ISLAND GROUP PLANS, INC.3 | 3900 VETS MEMORIAL HIGHWAY SUITE 240 BOHEMIA, NY 11716 | AFLAC | $3K | — | $3K | 3.45% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $1K | $84 | $2K | 2.01% |
| MJ INSURANCE3 Filed as: BRADLEY RUPPEL AND VARIOUS AGENTS | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $1K | $3 | $1K | 1.72% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $409 | — | $409 | 0.54% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $404 | — | $404 | 0.53% |
| 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 | 20.60% |
| LAMPLIGHTERS, INC.4 | 766 CALLE ARGON LAGOONA WOODS, CA 92637 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 2.16% |
| PAMELA BRINKER4 | 72502 EDGEHILL DRIVE UNITE 3 PALM DESERT, CA 92260 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $718 | — | $718 | 1.43% |
| MJ INSURANCE4 Filed as: MARK A. JONES AND VARIOUS AGENTS | 10671 POINTE MOUNTAIN TOP SPRING VALLEY, CA 91978 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $582 | — | $582 | 1.16% |
| KEN PAPERNO4 | 5247 SOUTHERN CYPRESS COURT NORTH LAS VEGAS, NV 89031 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $493 | — | $493 | 0.98% |
| KIMBERLY FERRIS4 | 48 BERNHARDT DRIVE AMHERST, NY 14226 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $149 | — | $149 | 0.30% |
| EVA JANSEN4 | 45827 SUTTER CREEK WAY INDIO, CA 92201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $121 | — | $121 | 0.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | PRINCIPAL FINANCIAL GROUP | $1K | — | $1K | 10.87% |
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 | 3,859 | 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) | 3,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,859 | $188K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,128 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,165 | $377K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,859 | $1.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,859 | $1.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,859 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,859 | $188K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,859 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,165 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.