| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUNNY INC.3 | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | AFLAC | $11K | $252 | $11K | 6.00% |
| NEIL J. RECKON3 | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | AFLAC | $10K | $11 | $10K | 5.18% |
| DALE C. VAN WAGNER3 | PO BOX 278 CHINO, CA 91708 | AFLAC | $9K | $16 | $9K | 4.93% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $6K | $331 | $6K | 3.31% |
| MJ INSURANCE3 Filed as: SHEM J. BOSTICK AND VARIOUS AGENTS | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $6K | $107 | $6K | 3.13% |
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, 2ND FLOOR GLENDORA, CA 91741 | AFLAC | $2K | $11 | $2K | 1.30% |
| DULCE MARIA MEXIA3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $2K | $24 | $2K | 0.94% |
| NEIL J. RECKON3 | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | AFLAC | $4K | $35 | $4K | 4.40% |
| MJ INSURANCE3 Filed as: KIMBERLY O. KWOK AND VARIOUS AGENTS | 2044 COBBLEFIELD WAY GLENDORA, CA 91740 | AFLAC | $3K | $55 | $3K | 4.02% |
| DALE C. VAN WAGNER3 | PO BOX 278 CHINO, CA 91708 | AFLAC | $2K | $41 | $2K | 2.89% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $2K | $16 | $2K | 2.61% |
| DUNNY INC.3 | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | AFLAC | $2K | $14 | $2K | 2.50% |
| DULCE MARIA MEXIA3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $2K | $27 | $2K | 2.16% |
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, 2ND FLOOR GLENDORA, CA 91741 | AFLAC | $1K | $23 | $1K | 1.74% |
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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | SAFEGUARD HEALTH PLANS, INC. | 109 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $0 |
| Life insurance | COMBINED INSURANCE COMPANY | 109 | $0 |
| Short-term disability | COMBINED INSURANCE COMPANY | 109 | $0 |
| Long-term disability | COMBINED INSURANCE COMPANY | 109 | $0 |
| Other(3 contracts, 2 carriers) | AFLAC | 257 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
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.