| 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 | $144K | — | $144K | 4.30% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GEORGIANNA STOUT3 | 150 HARBOR DR UNIT 370 SAUSALITO, CA 94966 | AFLAC | $347 | $38 | $385 | 1.65% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 | 28470 AVENUE STANFORD SUITE 300 VALENCIA, CA 91355 | AFLAC | $304 | — | $304 | 1.30% |
| AMY EVANS3 | 14358 MAGNOLIA BLVD APT 103 SHERMAN OAKS, CA 91423 | AFLAC | $273 | — | $273 | 1.17% |
| AVANT-GARDE INSURANCE SOLUTIONS3 | 2910 NEILSON WAY UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $254 | — | $254 | 1.09% |
| MINES INSURANCE SERVICES INC3 | 1519 BARTH AVENUE RICHMOND, CA 94806 | AFLAC | $163 | — | $163 | 0.70% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD STE 700 SUITE 740 SHERMAN OAKS, CA 91411 | AFLAC | $139 | $10 | $149 | 0.64% |
| BALTOR INSURANCE SERVICES3 | 11 AIRPORT BLVD STE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $123 | $8 | $131 | 0.56% |
| RICHARD J KUNZ3 | 601 MONTGOMERY ST SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $117 | — | $117 | 0.50% |
| FBRG INSURANCE SERVICES INC.3 Filed as: FBRG INSURANCE SERVICES INC | 733 ORCHARD LOOP AZUSA, CA 91702 | AFLAC | $111 | — | $111 | 0.48% |
| MARGARET MALLOY3 | 524 EVEN ST NAPA, CA 94559 | AFLAC | $101 | — | $101 | 0.43% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVE CARLSBAD, CA 92011 | AFLAC | $97 | — | $97 | 0.42% |
| STEPHANIE L SANDERS3 | 27305 LIVE OAK RD A437 SANTA CLARITA, CA 91384 | AFLAC | $77 | — | $77 | 0.33% |
| YOLANDA JOY RICHMAN3 | 10000 NEVADA AVE CHATSWORTH, CA 91311 | AFLAC | $73 | — | $73 | 0.31% |
| MJ INSURANCE3 Filed as: AMANDA JEAN LADY | 8094 21ST AVE LEMOORE, CA 93245 | AFLAC | $69 | — | $69 | 0.30% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE ST SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $51 | — | $51 | 0.22% |
| NOEMI OSUNA3 | 994 E 35TH ST LOS ANGELES, CA 90011 | AFLAC | $24 | $27 | $51 | 0.22% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $44 | — | $44 | 0.19% |
| ROBERT M. ABIGANA3 Filed as: ROBERT M ABIGANA | 2220 CRESTMOOR DR SAN BRUNO, CA 94066 | AFLAC | $42 | — | $42 | 0.18% |
| EDGEWATER INS SOLUTIONS LLC3 | 350 RHODE ISLAND ST STE 240 SAN FRANCISCO, CA 94103 | AFLAC | $41 | — | $41 | 0.18% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $38 | — | $38 | 0.16% |
| CHRIS BRANSON3 | 9209 COLBERG DR AUSTIN, TX 78749 | AFLAC | $25 | $8 | $33 | 0.14% |
| TAMARA HARVELL3 | 2430 N SILVERVALE CT VISALIA, CA 93291 | AFLAC | $23 | — | $23 | 0.10% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES INC | P.O. BOX 609 SANTA BARBARA, CA 93102 | AFLAC | $22 | — | $22 | 0.09% |
| LILY YAN3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $17 | $5 | $22 | 0.09% |
| DAVID SCOTT MANCHESTER3 | 6104 SE HENDERSON STREET PORTLAND, OR 97206 | AFLAC | $21 | — | $21 | 0.09% |
| ALFRED RIETKERK3 | 3120 NE 47TH ST FT LAUDERDALE, FL 33308 | AFLAC | $21 | — | $21 | 0.09% |
| BRENDAN W DEASY3 | 534 W 7TH AVE WEST HOMESTEAD, PA 15120 | AFLAC | $21 | — | $21 | 0.09% |
| ADAM H MICHAELS3 | 2922 CORDA LN LOS ANGELES, CA 90049 | AFLAC | $20 | — | $20 | 0.09% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $20 | — | $20 | 0.09% |
| TREVE D RASMUSSEN3 | 430 W CALDWELL AVE SUITE C VISALIA, CA 93277 | AFLAC | $20 | — | $20 | 0.09% |
| KRISTINA J KUNZ3 | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $20 | — | $20 | 0.09% |
| JOSHUA BALTOR3 Filed as: JOSHUA S BALTOR | 11 AIRPORT BLVD STE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $17 | — | $17 | 0.07% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $17 | — | $17 | 0.07% |
| JULIE ATKINS3 | 165 GRAMERCY DRIVE SAN MATEO, CA 94402 | AFLAC | $15 | — | $15 | 0.06% |
| COLLEEN ANN DAVIS3 | P.O. BOX 2823 CANYON COUNTRY, CA 91386 | AFLAC | $14 | — | $14 | 0.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $13 | — | $13 | 0.06% |
| DANIEL C MERRITT3 | 2435 S SOWELL ST VISALIA, CA 93277 | AFLAC | $12 | — | $12 | 0.05% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP ST SUITE 2101 HONOLULU, HI 96813 | AFLAC | $12 | — | $12 | 0.05% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LN CHICO, CA 95928 | AFLAC | $12 | — | $12 | 0.05% |
| MJR INSURANCE SERVICES LLC3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $11 | — | $11 | 0.05% |
| CHRIS BRANSON3 | 6601 BACK BAY LN AUSTIN, TX 78739 | AFLAC | $11 | — | $11 | 0.05% |
| BANZAI INSURANCE SOLUTIONS INC3 | 9209 COLBERG DR AUSTIN, TX 78749 | AFLAC | $10 | — | $10 | 0.04% |
| JESSICA PLUSKO3 | 1611 MATTHEWS AVE VENTURA, CA 93004 | AFLAC | $10 | — | $10 | 0.04% |
| PATTIE L ARANIO3 | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $9 | — | $9 | 0.04% |
| WALTER F PETERS3 | 1687 KALAUOKALANI WAY STE A NUMBER 218 HONOLULU, HI 96814 | AFLAC | $9 | — | $9 | 0.04% |
| ANNA JANICE RUIZ3 | 2596 17TH AVE SAN FRANCISCO, CA 94116 | AFLAC | $8 | — | $8 | 0.03% |
| KRISTINA J KUNZ3 | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $8 | — | $8 | 0.03% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVE LOS ANGELES, CA 90045 | AFLAC | $7 | — | $7 | 0.03% |
| ROGER M. BERMAN3 Filed as: ROGER M BERMAN | PO BOX 61 LYNNWOOD, WA 98046 | AFLAC | $7 | — | $7 | 0.03% |
| PETER JAMES SARANTIS3 | 26200 TOWN CENTER DR STE 110 NOVI, MI 48375 | AFLAC | $7 | — | $7 | 0.03% |
| BENJAMIN R. WERTHIMER3 Filed as: BENJAMIN R WERTHIMER | 915 CRESTA WAY APT 12 SAN RAFAEL, CA 94903 | AFLAC | $6 | — | $6 | 0.03% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVE STUDIO CITY, CA 91602 | AFLAC | $5 | — | $5 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $4 | — | $4 | 0.02% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $3 | $1 | $4 | 0.02% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA BLVD STE 202 CALABASAS, CA 91302 | AFLAC | $3 | — | $3 | 0.01% |
| SARAH SOLIS3 | 3130 W MAIN ST STE D VISALIA, CA 93291 | AFLAC | $3 | — | $3 | 0.01% |
| TODD V MASON3 | 6164 LAWRENCE ST CYPRESS, CA 90630 | AFLAC | $3 | — | $3 | 0.01% |
| BRIAN G JAEGGI3 | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $3 | — | $3 | 0.01% |
| OLENA K SHEA3 | 3 MITCHELL PLACE UNIT 18C NEW YORK, NY 10017 | AFLAC | $3 | — | $3 | 0.01% |
| NICHOLAS E VIGIL3 | 120 ROCKBOLT CIR FOLSOM, CA 95630 | AFLAC | $3 | — | $3 | 0.01% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA STE 202 CALABASAS, CA 91302 | AFLAC | $2 | — | $2 | 0.01% |
| JARRELL R PRICHARD3 | 2027 CIRCLE WAY HANFORD, CA 93230 | AFLAC | $2 | — | $2 | 0.01% |
| MICHELLE M PHILLIPS3 | 3130 W MAIN ST SUITE 2 VISALIA, CA 93291 | AFLAC | $2 | — | $2 | 0.01% |
| VICTORIA L FLYNN3 Filed as: VICTORIA HOWARD | 1365 CAMINO PERAL #A MORAGA, CA 94556 | AFLAC | $2 | — | $2 | 0.01% |
| GUILLERMO H PALOMINO3 | 21155 N 56TH ST APT 2120 PHOENIX, AZ 85054 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A STACHOWIAK | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $2 | — | $2 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $1 | — | $1 | 0.00% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $1 | — | $1 | 0.00% |
| ANA PATRICIA ARRIAGA3 | PO BOX 1131 WOODLAND, CA 95776 | AFLAC | $1 | — | $1 | 0.00% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | 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% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.00% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DR DANVILLE, CA 94526 | 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% |
| JESSE RAMOS4 | #26 7331 SHELBY LN RANCHO CUCAMONGA, CA 91739 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 13.36% |
| TANYA S. JONES4 Filed as: TANYA S JONES | 1881 E VILLA ST PASADENA, CA 91107 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $410 | — | $410 | 2.94% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $144 | — | $144 | 1.03% |
| INTEGRITY ASSET SERVICES LLC4 | 1873 KOYUKON DR SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $63 | — | $63 | 0.45% |
| MICHELE A WILSON PA4 | 2458 MARIE ST SIMI VALLEY, CA 93065 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $58 | — | $58 | 0.42% |
| SARA ELIZABETH PORTILLO4 Filed as: SARA PORTILLO | 19400 LANARK ST RESEDA, CA 91335 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 0.29% |
| HEATHER PARKER4 Filed as: HEATHER L PARKER | 6433 GRAVES AVE VAN NUYS, CA 91406 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | — | $30 | 0.22% |
| PAULA A LONDONO4 | 20336 DOROTHY ST SAUGUS, CA 91350 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 CLAIM ADMIN DEN | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $30K |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 284 | $3.4M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 284 | $3.4M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 284 | $3.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 249 | $40K |
| Other(4 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 284 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.