| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND | INSURANCE SERVICES 27348 BRIGHTON DRIVE VALENCIA, CA 91354 | BLUE CROSS OF CALIFORNIA | $101K | — | $101K | 3.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | BLUE CROSS OF CALIFORNIA | $37K | — | $37K | 1.43% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND | INSURANCE SERVICES 27348 BRIGHTON DRIVE VALENCIA, CA 91354 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 2.59% |
| JESSE RAMOS4 | 7331 SHELBY LANE SUITE 26 RANCHO CUCAMONGA, CA 91739 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $2K | — | $2K | 12.98% |
| TANYA S. JONES4 | 1881 E. VILLA STREET PASADENA, CA 91107 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $406 | — | $406 | 2.56% |
| INTEGRITY ASSET SERVICES LLC4 | 1873 KOYUKON DRIVE SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $78 | — | $78 | 0.49% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVENUE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $58 | — | $58 | 0.37% |
| HEATHER PARKER3 Filed as: HEATHER L. PARKER | 6433 GRAVES AVENUE VAN NUYS, CA 91406 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $35 | — | $35 | 0.22% |
| MICHELLE A. WILSON PA4 | 2458 MARIE STREET SIMI VALLEY, CA 93065 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $19 | — | $19 | 0.12% |
| GEORGIANNA STOUT3 | 150 HARBOR DRIVE UNIT 370 SAUSALITO, CA 94966 | AFLAC | $55 | — | $55 | 1.99% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND | INSURANCE SERVICES 28470 STANFORD AVENUE, SUITE 30 VALENCIA, CA 91355 | AFLAC | $48 | — | $48 | 1.74% |
| AMY EVANS3 | 14358 MAGNOLIA BLVD. APT. 103 SHERMAN OAKS, CA 91423 | AFLAC | $33 | — | $33 | 1.20% |
| AVANT-GARDE INSURANCE SOLUTIONS3 Filed as: AVANT GARDE INSURANCE SOLUTIONS | 728 N. LUCIA AVENUE SUITE B REDONDO BEACH, CA 90277 | AFLAC | $31 | — | $31 | 1.12% |
| BALTOR INSURANCE SERVICES3 | 11 AIRPORT BLVD. SUITE 105 SOUTH SAN FRANCISCO, CA 94080 | AFLAC | $22 | — | $22 | 0.80% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $19 | — | $19 | 0.69% |
| RICHARD J KUNZ3 Filed as: RICHARD J. KUNZ | 601 MONTGOMERY STREET SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $14 | — | $14 | 0.51% |
| FBRG INSURANCE SERVICES INC.3 | 733 ORCHARD LOOP AZUSA, CA 91702 | AFLAC | $13 | — | $13 | 0.47% |
| MARGARET MALLOY3 | 524 EVEN STREET NAPA, CA 94559 | AFLAC | $12 | — | $12 | 0.43% |
| MINES INSURANCE SERVICES INC3 Filed as: MINES INSURANCE SERVICES INC. | 1519 BARTH AVENUE RICHMOND, CA 94806 | AFLAC | $11 | — | $11 | 0.40% |
| MJ INSURANCE3 Filed as: AMANDA JEAN LADY | 8094 21ST AVENUE LEMOORE, CA 93245 | AFLAC | $10 | — | $10 | 0.36% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $9 | — | $9 | 0.33% |
| STEPHANIE L SANDERS3 Filed as: STEPHANIE L. SANDERS | 27305 LIVE OAK ROAD SUITE A437 SANTA CLARITA, CA 91384 | AFLAC | $9 | — | $9 | 0.33% |
| YOLANDA JOY RICHMAN3 | 10000 NEVADA AVENUE CHATSWORTH, CA 91311 | AFLAC | $9 | — | $9 | 0.33% |
| KRISTINA J KUNZ3 Filed as: KRISTINA J. KUNZ | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $7 | — | $7 | 0.25% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE STREET SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $5 | — | $5 | 0.18% |
| ROBERT M. ABIGANA3 | 2220 CRESTMOOR DRIVE SAN BRUNO, CA 94066 | AFLAC | $5 | — | $5 | 0.18% |
| EDGEWATER INSURANCE SOLUTIONS LLC3 | 299 IMPERIAL DRIVE APT. 4 PACIFICA, CA 94044 | AFLAC | $5 | — | $5 | 0.18% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 9018 BALBOA BLVD. SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $5 | — | $5 | 0.18% |
| CHRIS BRANSON3 | P.O. BOX 930 MAKAWAO, HI 96768 | AFLAC | $5 | — | $5 | 0.18% |
| KANDI M MCINTYRE3 Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $4 | — | $4 | 0.14% |
| TAMARA HARVELL3 | 2430 N. SILVERVALE COURT VISALIA, CA 93291 | AFLAC | $3 | — | $3 | 0.11% |
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES INC. | P.O. BOX 609 SANTA BARBARA, CA 93102 | AFLAC | $3 | — | $3 | 0.11% |
| BRENDAN W DEASY3 Filed as: BRENDAN W. DEASY | 534 W. 7TH AVENUE WEST HOMESTEAD, PA 15120 | AFLAC | $3 | — | $3 | 0.11% |
| JESSICA PLUSKO3 | 1611 MATTHEWS AVENUE VENTURA, CA 93004 | AFLAC | $2 | — | $2 | 0.07% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $2 | — | $2 | 0.07% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $2 | — | $2 | 0.07% |
| NOEMI OSUNA3 | 994 E. 35TH STREET LOS ANGELES, CA 90011 | AFLAC | $2 | — | $2 | 0.07% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 430 W. CLADWELL AVENUE SUITE C VISALIA, CA 93277 | AFLAC | $2 | — | $2 | 0.07% |
| ALFRED RIETKERK3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $2 | — | $2 | 0.07% |
| LILY YAN3 | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $2 | — | $2 | 0.07% |
| JULIE ATKINS3 | 165 GRAMERCY DRIVE SAN MATEO, CA 94402 | AFLAC | $2 | — | $2 | 0.07% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $2 | — | $2 | 0.07% |
| COLLEEN ANN DAVIS3 | P.O. BOX 2823 CANYON COUNTRY, CA 91386 | AFLAC | $2 | — | $2 | 0.07% |
| DAVID SCOTT MANCHESTER3 | 6104 SE HENDERSON STREET PORTLAND, OR 97206 | AFLAC | $1 | — | $1 | 0.04% |
| MJR INSURANCE SERVICES LLC3 Filed as: MJR INSURANCE SERIVES LLC | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $1 | — | $1 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.04% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $1 | — | $1 | 0.04% |
| WALTER F PETERS3 Filed as: WALTER F. PETERS | 1687 KALAUOKALANI WAY SUITE A, NUMBER 218 HONOLULU, HI 96814 | AFLAC | $1 | — | $1 | 0.04% |
| PATTIE L ARANIO3 Filed as: PATTIE L. ARANIO | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $1 | — | $1 | 0.04% |
| ANNA JANICE RUIZ3 | 2596 17TH AVENUE SAN FRANCISCO, CA 94116 | AFLAC | $1 | — | $1 | 0.04% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $1 | — | $1 | 0.04% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA SUITE 202 CALABASAS, CA 91302 | AFLAC | $1 | — | $1 | 0.04% |
| ROGER M. BERMAN3 | P.O. BOX 61 LYNNWOOD, WA 98046 | AFLAC | $1 | — | $1 | 0.04% |
| BENJAMIN R. WERTHIMER3 | 915 CRESTA WAY APT. 12 SAN RAFAEL, CA 94903 | AFLAC | $1 | — | $1 | 0.04% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 3572 SHADOWTREE LANE CHICO, CA 95928 | AFLAC | $1 | — | $1 | 0.04% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $1 | — | $1 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR. | 1431 NE 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.04% |
| OLENA K SHEA3 Filed as: OLENA K. SHEA | 3 MITCHELL PLACE UNIT 18C NEW YORK, NY 10017 | AFLAC | $1 | — | $1 | 0.04% |
| TODD V MASON3 Filed as: TODD V. MASON | 6164 LAWRENCE STREET CYPRESS, CA 90630 | AFLAC | $1 | — | $1 | 0.04% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 15607 W. LILLI WAY VAN NUYS, CA 91406 | AFLAC | $1 | — | $1 | 0.04% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO H. PALOMINO | 21155 N. 56TH STREET APT. 2120 PHOENIX, AZ 85054 | AFLAC | $1 | — | $1 | 0.04% |
| MICHAEL C WALKER3 Filed as: MICHAEL A. STACHOWIAK | 321 N. CLARK STREET SUITE 625 CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.04% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS E. VIGIL | 120 ROCKBOLT CIRCLE FOLSOM, CA 95630 | AFLAC | $1 | — | $1 | 0.04% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 9018 BALBOA BLVD. SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $1 | — | $1 | 0.04% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 W. MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $1 | — | $1 | 0.04% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 281 | $2.6M |
| Vision | BLUE CROSS OF CALIFORNIA | 281 | $2.6M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 281 | $2.6M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $46K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 281 | $2.6M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 308 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
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.