| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $115K | — | $115K | 4.71% |
| GEORGIANNA STOUT3 | 150 HARBOUR DR UNIT 370 SAUSALITO, CA 94966 | AFLAC | $632 | $49 | $681 | 1.69% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | AFLAC | $660 | — | $660 | 1.64% |
| AMY EVANS3 | 14358 MAGNOLIA BLVD APT 103 SHERMAN OAKS, CA 91423 | AFLAC | $456 | — | $456 | 1.13% |
| MINES INSURANCE SERVICES INC3 | 1519 BARTH AVENUE RICHMOND, CA 94806 | AFLAC | $449 | — | $449 | 1.11% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD STE 700 SUITE 740 SHERMAN OAKS, CA 91411 | AFLAC | $303 | $7 | $310 | 0.77% |
| WILLIAM P HOFTO3 | 2910 NEILSON WAY UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $286 | — | $286 | 0.71% |
| JESSICA PLUSKO3 | 1611 MATTHEWS AVE VENTURA, CA 93004 | AFLAC | $221 | — | $221 | 0.55% |
| FBRG INSURANCE SERVICES INC.3 Filed as: FBRG INSURANCE SERVICES INC | 733 ORCHARD LOOP AZUSA, CA 91702 | AFLAC | $211 | — | $211 | 0.52% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVE CARLSBAD, CA 92011 | AFLAC | $210 | — | $210 | 0.52% |
| JOSHUA BALTOR3 | 11 AIRPORT BLVD STE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $186 | $10 | $196 | 0.49% |
| RICHARD J KUNZ3 | 351 CALIFORNIA ST SUITE 450 SAN FRANCISCO, CA 94104 | AFLAC | $194 | — | $194 | 0.48% |
| MARGARET MALLOY3 | 524 EVEN ST NAPA, CA 94559 | AFLAC | $166 | — | $166 | 0.41% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $146 | — | $146 | 0.36% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE ST SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $140 | — | $140 | 0.35% |
| JARRELL R PRICHARD3 | 2027 CIRCLE WAY HANFORD, CA 93230 | AFLAC | $137 | — | $137 | 0.34% |
| MARJORIE C ROBINSON3 | 91-1095 KAIKO ST EWA BEACH, HI 96706 | AFLAC | $134 | — | $134 | 0.33% |
| STEPHANIE L SANDERS3 | 27305 LIVE OAK RD A437 SANTA CLARITA, CA 91384 | AFLAC | $127 | — | $127 | 0.32% |
| YOLANDA JOY RICHMAN3 | 10000 NEVADA AVE CHATSWORTH, CA 91311 | AFLAC | $126 | — | $126 | 0.31% |
| BANZAI INSURANCE SOLUTIONS INC3 | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $115 | $10 | $125 | 0.31% |
| SARAH SOLIS3 | 3130 W MAIN ST STE D VISALIA, CA 93291 | AFLAC | $110 | — | $110 | 0.27% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $106 | — | $106 | 0.26% |
| AVANT-GARDE INSURANCE SOLUTIONS3 Filed as: AVANT GARDE INSURANCE SOLUTIONS | 2910 NEILSON WAY UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $100 | — | $100 | 0.25% |
| ROBERT M. ABIGANA3 Filed as: ROBERT M ABIGANA | 11 AIRPORT BLVD STE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $89 | — | $89 | 0.22% |
| DAVID SCOTT MANCHESTER3 | 6104 SE HENDERSON STREET PORTLAND, OR 97206 | AFLAC | $64 | — | $64 | 0.16% |
| DANIEL C MERRITT3 | 2435 S SOWELL ST VISALIA, CA 93277 | AFLAC | $63 | — | $63 | 0.16% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES INC | P.O. BOX 609 SANTA BARBARA, CA 93102 | AFLAC | $54 | — | $54 | 0.13% |
| TREVE D RASMUSSEN3 | 3130 W MAIN STREET SUITE E VISALIA, CA 93291 | AFLAC | $51 | — | $51 | 0.13% |
| EDGEWATER INS SOLUTIONS LLC3 | 350 RHODE ISLAND ST STE 240 SAN FRANCISCO, CA 94103 | AFLAC | $50 | — | $50 | 0.12% |
| BRENDAN W DEASY3 | 9059 CANFORD ST PICO RIVERA, CA 90660 | AFLAC | $46 | — | $46 | 0.11% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $43 | — | $43 | 0.11% |
| ADAM H MICHAELS3 | 12121 WILSHIRE BLVD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $37 | — | $37 | 0.09% |
| LUIS SANCHEZ CARAMBOT3 | P.O. BOX 912 VIEQUES, PR 00765 | AFLAC | $37 | — | $37 | 0.09% |
| CALIFORNIA EAST BAY INS SERV INC3 | 2818 ROCKVILLE RD FAIRFIELD, CA 94534 | AFLAC | $33 | — | $33 | 0.08% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $28 | — | $28 | 0.07% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $27 | — | $27 | 0.07% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 110 HASLEMERE CT LAFAYETTE, CA 94549 | AFLAC | $24 | — | $24 | 0.06% |
| JULIE ATKINS3 | 165 GRAMERCY DRIVE SAN MATEO, CA 94402 | AFLAC | $23 | — | $23 | 0.06% |
| COLLEEN ANN DAVIS3 | P.O. BOX 2823 CANYON COUNTRY, CA 91386 | AFLAC | $20 | — | $20 | 0.05% |
| PATTIE L ARANIO3 | 1136 UNION MALL SUITE 705 HONOLULU, HI 96813 | AFLAC | $19 | — | $19 | 0.05% |
| DUSTIN DEAN DENIZ3 | 222 LILIUOKALANI AVE APT 803 HONOLULU, HI 96815 | AFLAC | $19 | — | $19 | 0.05% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP ST SUITE 2101 HONOLULU, HI 96813 | AFLAC | $16 | — | $16 | 0.04% |
| STEPHEN H ARANIO3 | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $15 | — | $15 | 0.04% |
| JOSHUA BALTOR3 | 11 AIRPORT BLVD SUITE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $14 | — | $14 | 0.03% |
| WALTER F PETERS3 | 1687 A KALAUOKALANI WAY NUMBER 218 HONOLULU, HI 96814 | AFLAC | $13 | — | $13 | 0.03% |
| BRIAN G JAEGGI3 | 5700 CHICOPEE AVE ENCINO, CA 91316 | AFLAC | $12 | $1 | $13 | 0.03% |
| ANNA JANICE RUIZ3 | 2596 17TH AVE SAN FRANCISCO, CA 94116 | AFLAC | $12 | — | $12 | 0.03% |
| MICHELLE M PHILLIPS3 | 3130 W MAIN ST SUITE 2 VISALIA, CA 93291 | AFLAC | $12 | — | $12 | 0.03% |
| PROFUSION LLC3 | 3138A ESTHER ST HONOLULU, HI 96815 | AFLAC | $12 | — | $12 | 0.03% |
| STEPHANIE L SANDERS3 | 27305 W LIVE OAK RD A437 SANTA CLARITA, CA 91384 | AFLAC | $11 | — | $11 | 0.03% |
| ROGER M. BERMAN3 Filed as: ROGER M BERMAN | 19500 BALLINGER WAY NE #404 SHORELINE, WA 98155 | AFLAC | $10 | — | $10 | 0.02% |
| MICHELLE MALAIS3 | 31858 CASTAIC RD 314 CASTAIC, CA 91384 | AFLAC | $10 | — | $10 | 0.02% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $10 | — | $10 | 0.02% |
| MJR INSURANCE SERVICES LLC3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $10 | — | $10 | 0.02% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVE STUDIO CITY, CA 91602 | AFLAC | $9 | — | $9 | 0.02% |
| BENJAMIN R. WERTHIMER3 Filed as: BENJAMIN R WERTHIMER | 9 MARGORY CT NOVATO, CA 94947 | AFLAC | $9 | — | $9 | 0.02% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD STE 110 ROSEVILLE, CA 95661 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTOPHER EVANS3 | 14358 MAGNOLIA BLVD APT 103 SHERMAN OAKS, CA 91423 | AFLAC | $7 | — | $7 | 0.02% |
| MJR INSURANCE SERVICES LLC3 | 7349 PONCE AVENUE WEST HILLS, CA 91307 | AFLAC | $7 | — | $7 | 0.02% |
| PETER JAMES SARANTIS3 | 2251 DOUGLAS BLVD SUITE 110 ROSEVILLE, CA 95661 | AFLAC | $6 | — | $6 | 0.01% |
| BANZAI INSURANCE SOLUTIONS INC3 | 344 THOMAS L BERKLEY WAY STE 238 OAKLAND, CA 94612 | AFLAC | $6 | — | $6 | 0.01% |
| TODD V MASON3 | 6164 LAWRENCE ST CYPRESS, CA 90630 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA STREET STE 3200 HONOLULU, HI 96813 | AFLAC | $5 | — | $5 | 0.01% |
| PROFUSION LLC3 | 3138 ESTHER ST HONOLULU, HI 96815 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $4 | — | $4 | 0.01% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $3 | — | $3 | 0.01% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $3 | — | $3 | 0.01% |
| CHRISTOPHER HAGER3 | 8201 PARK HILL DR LOS ANGELES, CA 90045 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOESPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $2 | — | $2 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD STE 393 WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 7005 JORDAN AVE UNIT 215 CANOGA PARK, CA 91303 | AFLAC | $1 | — | $1 | 0.00% |
| OLENA K SHEA3 | 3 MITCHELL PLACE UNIT 18C NEW YORK, NY 10017 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS E VIGIL3 | 100 CADILLAC DR APT 24 SACRAMENTO, CA 95825 | AFLAC | $1 | — | $1 | 0.00% |
| VICTORIA L FLYNN3 Filed as: VICTORIA HOWARD | 1365 CAMINO PERAL #A MORAGA, CA 94556 | AFLAC | $1 | — | $1 | 0.00% |
| GUILLERMO H PALOMINO3 | 830 BUSH ST APT 505 SAN FRANCISCO, CA 94108 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 12121 WILSHIRE BLVD LOS ANGELES, CA 90025 | AFLAC | $1 | — | $1 | 0.00% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $1 | — | $1 | 0.00% |
| ANA PATRICIA ARRIAGA3 | 1115 GRAY AVE YUBA CITY, CA 95991 | AFLAC | $1 | — | $1 | 0.00% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $1 | — | $1 | 0.00% |
| LNYN A GOULD3 | 210 LEXINGTON DR LITTLE EGG HARBOR, NJ 08087 | AFLAC | $1 | — | $1 | 0.00% |
| PETER T ARNOLD3 | 12199 SILVER SPRINGS PL GRASS VALLEY, CA 95949 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.00% |
| KAI M TAKEKAWA3 | 1378 HONOKAHUA ST HONOLULU, HI 96825 | AFLAC | $1 | — | $1 | 0.00% |
| LAUREL NICOLE HARMS3 | 334 STEVEN CIRCLE BENICIA, CA 94510 | AFLAC | $1 | — | $1 | 0.00% |
| EDWARD M RYSKA3 | 6010 ROBLAR RD PETALUMA, CA 94952 | AFLAC | $1 | — | $1 | 0.00% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $1 | — | $1 | 0.00% |
| STACIE L BENDER3 | 2406 WINDERMERE ST BAKERSFIELD, CA 93311 | AFLAC | $1 | — | $1 | 0.00% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 CLAIM ADMIN DEN | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $22K |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 219 | $2.5M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 0 | $26K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 219 | $2.4M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 219 | $2.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 226 | $26K |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 0 | $26K |
| Other(2 contracts, 2 carriers) | AFLAC | 220 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.