| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD STE 700 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $89K | $0 | $89K | 5.34% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD STE 700 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 4.58% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN STREET STE 800 SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 1.83% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD STE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.95% |
| LINDA M NAPOLI3 Filed as: LINDA NAPOLI | 17631 BENTURA BLVD 321 ENCINO, CA 91316 | AFLAC | $1K | $25 | $1K | 6.59% |
| PATRICIA GAIL LEES3 | 1124 CHURCH CT BURBANK, CA 91501 | AFLAC | $681 | $6 | $687 | 3.98% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | AFLAC | $437 | $0 | $437 | 2.53% |
| MICHELE A UNDERELL3 | 3685 TAFT CT WHEAT RIDGE, CO 80033 | AFLAC | $308 | $0 | $308 | 1.78% |
| MARY ELLEN G PERSONS3 | 3131 HERMOSA DR LA CRESCENTA, CA 91214 | AFLAC | $258 | $0 | $258 | 1.49% |
| RHOEL T VALDEZ3 | 20016 BLYTHE ST WINNETKA, CA 91306 | AFLAC | $142 | $6 | $148 | 0.86% |
| DAVID J REESOR3 | 1615 WILSON AVE UPLAND, CA 91784 | AFLAC | $107 | $0 | $107 | 0.62% |
| MICHELLE DERAS3 Filed as: MICHELLE ANN DERAL | 724 N LA PALOMA AVE ONTARIO, CA 91764 | AFLAC | $48 | $0 | $48 | 0.28% |
| SHEM J BOSTICK3 | 1620 S DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $47 | $0 | $47 | 0.27% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $28 | $0 | $28 | 0.16% |
| ROBERT D TURNER3 Filed as: ROBERT MILER QUICK | 8690 AERO DR SUITE 115 SAN DIEGO, CA 92123 | AFLAC | $28 | $0 | $28 | 0.16% |
| MJR INSURANCE SERVICES LLC3 | 5444 SEPULVEDA BLVD APT 106 SHERMAN OAKS, CA 91411 | AFLAC | $19 | $0 | $19 | 0.11% |
| ELIBERTO A FAJARDO0 | 907 DEL RANCHO CT ONTARIO, CA 91762 | AFLAC | $15 | $0 | $15 | 0.09% |
| JOSEPH A BUZZELLO3 | 14747 N NORTHSIGHT BLVD SUITE 111 454 SCOTTSDALE, AZ 85260 | AFLAC | $14 | $0 | $14 | 0.08% |
| L MATTHEW SPALDING3 | 847 N HOLLYWOOD WAY SUITE 204 BURBANK, CA 91505 | AFLAC | $10 | $0 | $10 | 0.06% |
| TODD V MASON3 | 1607 W PACIFIC COAST HWY APT 144 WILMINGTON, CA 90744 | AFLAC | $6 | $0 | $6 | 0.03% |
| JOANNA G MATHERLY3 | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $3 | $0 | $3 | 0.02% |
| RAVONE MARVELLE GRAHAM3 | 7601 ARCADIA TRL FORTH WORTH, TX 76137 | AFLAC | $2 | $0 | $2 | 0.01% |
| DIGITAL INSURANCE LLC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 34135 | AFLAC | $2 | $0 | $2 | 0.01% |
| DALE C. VAN WAGNER3 Filed as: DALE C VAN WAGNER | 1456 E PHILADELPHIA ST SPC 170 ONTARIO, CA 91761 | AFLAC | $2 | $0 | $2 | 0.01% |
| JANET LYNN BOMWELL3 | 3652 CINCINNATI ST NORTH PORT, FL 37486 | AFLAC | $2 | $0 | $2 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $2 | $0 | $2 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 0.01% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $1 | $0 | $1 | 0.01% |
| OWEN JOHNSTON3 | 1300 FAIRHAVEN AVE APT 3 SANTA ANA, CA 92705 | AFLAC | $1 | $0 | $1 | 0.01% |
| BARRY MCPHERSON INC3 | 3928 IRONBANK WAY MCKINNEY, TX 75071 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MEYERS, FL 33913 | AFLAC | $1 | $0 | $1 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | $0 | $1 | 0.01% |
| CHAD JACOBSEN3 | 205 RIVER FALLS DR APEX, NC 27539 | AFLAC | $1 | $0 | $1 | 0.01% |
| CYNTHIA LUQUIN3 | 2001 E FINANCIAL WAY STE 202 GLENDORA, CA 91741 | AFLAC | $1 | $0 | $1 | 0.01% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE ST TOLUCA LAKE, CA 91602 | AFLAC | $1 | $0 | $1 | 0.01% |
| IOANNIS T GRATSINOPOULOS | 1893 E DAULBY ST MERIDIAN, IN 83642 | AFLAC | — | — | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD STE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $480 | $480 | 3.94% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD STE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.99% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $612 | $612 | 5.77% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD STE 700 WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $459 | $0 | $459 | 14.98% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $120 | $120 | 3.92% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | 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 AND AFFILIATES | 147 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 147 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 147 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $36K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 177 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.