| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA HEALTH, INC. | $78K | — | $78K | 3.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA LIFE INSURANCE CO. | $44K | — | $44K | 5.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $58K | $4K | $62K | 10.21% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND | INSURANCE SERVICES 28470 AVENUE STANFORD, SUITE 300 VALENCIA, CA 91355 | BLUE CROSS OF CALIFORNIA | -$729 | — | -$729 | -0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $148 | $148 | 0.28% |
| GEORGIANNA STOUT3 | 150 HARBOR DRIVE UNIT 370 SAUSALITO, CA 94966 | AFLAC | $838 | $84 | $922 | 2.56% |
| REBECCA ELAINE CHIARODIT3 | 4705 ARCOLA AVENUE TOLUCA LAKE, CA 91602 | AFLAC | $822 | $49 | $871 | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AFLAC | $541 | — | $541 | 1.50% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $494 | $18 | $512 | 1.42% |
| CREATIVA ASSOCIATES FINANCIAL & INS3 Filed as: CREATIVA ASSOCIATES FINANCIAL AND | INSURANCE SERVICES, INC. 28470 AVENUE STANFORD, SUITE 300 VALENCIA, CA 91355 | AFLAC | $373 | — | $373 | 1.03% |
| NANETTE STARK3 | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $315 | $10 | $325 | 0.90% |
| AMY EVANS3 | 4932 N. NORTH MAYWOOD AVENUE LOS ANGELES, CA 90041 | AFLAC | $316 | — | $316 | 0.88% |
| AVANT-GARDE INSURANCE SOLUTIONS3 | 728 N. LUCIA AVENUE SUITE B REDONDO BEACH, CA 90277 | AFLAC | $314 | — | $314 | 0.87% |
| BALTOR INSURANCE SERVICES3 | 1020 MERNER ROAD HILLSBOROUGH, CA 94010 | AFLAC | $227 | $17 | $244 | 0.68% |
| MARGARET MALLOY3 | 524 EVEN STREET NAPA, CA 94559 | AFLAC | $211 | — | $211 | 0.58% |
| RICHARD J KUNZ3 Filed as: RICHARD J. KUNZ | 601 MONTGOMERY STREET SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $155 | — | $155 | 0.43% |
| FBRG INSURANCE SERVICES INC.3 | 733 ORCHARD LOOP AZUSA, CA 91702 | AFLAC | $144 | — | $144 | 0.40% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $134 | — | $134 | 0.37% |
| STEPHANIE L SANDERS3 Filed as: STEPHANIE L. SANDERS | 27305 LIVE OAK ROAD SUITE A437 SANTA CLARITA, CA 91384 | AFLAC | $121 | — | $121 | 0.34% |
| KRISTINA J KUNZ3 Filed as: KRISTINA J. KUNZ | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $75 | $17 | $92 | 0.25% |
| YOLANDA JOY RICHMAN3 | 10000 NEVADA AVENUE CHATSWORTH, CA 91311 | AFLAC | $90 | — | $90 | 0.25% |
| GEOFFREY MALAIS3 | P.O. BOX 280717 NORTHRIDGE, CA 91328 | AFLAC | $70 | — | $70 | 0.19% |
| MINES INSURANCE SERVICES INC3 Filed as: MINES INSURANCE SERVICES INC. | 1519 BARTH AVENUE RICHMOND, CA 94806 | AFLAC | $60 | — | $60 | 0.17% |
| ROBERT M. ABIGANA3 | 2220 CRESTMOOR DRIVE SAN BRUNO, CA 94066 | AFLAC | $58 | — | $58 | 0.16% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH A. BUZZELLO | 14747 N. NORTHSIGHT BLVD. SUITE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $57 | — | $57 | 0.16% |
| JAMES B. GARNER3 | 11 HUMBOLDT COURT PACIFICA, CA 94044 | AFLAC | $56 | — | $56 | 0.16% |
| KANDI M MCINTYRE3 Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $41 | — | $41 | 0.11% |
| HALTEN MANAGEMENT SVCS (US) LLC3 Filed as: HALTEN MANAGEMENT SERVICES (US) LLC | 15607 W. LILLI WAY VAN NUYS, CA 91406 | AFLAC | $32 | — | $32 | 0.09% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC. | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $29 | — | $29 | 0.08% |
| RUBEN ROSA3 | 5307 SEPULVEDA BLVD. APT. 118 SHERMAN OAKS, CA 91411 | AFLAC | $28 | — | $28 | 0.08% |
| NOEMI OSUNA3 | 994 E. 35TH STREET LOS ANGELES, CA 90011 | AFLAC | $26 | — | $26 | 0.07% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $24 | — | $24 | 0.07% |
| ADAM H MICHAELS3 Filed as: ADAM H. MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $24 | — | $24 | 0.07% |
| LILY YAN3 | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $23 | — | $23 | 0.06% |
| CHRIS BRANSON3 | P.O. BOX MAKAWAO, HI 96768 | AFLAC | $23 | — | $23 | 0.06% |
| BRENDAN W DEASY3 Filed as: BRENDAN W. DEASY | 534 W. 7TH AVENUE WEST HOMESTEAD, PA 15120 | AFLAC | $22 | — | $22 | 0.06% |
| JESSICA PLUSKO3 | 7322 PARKWOOD CIRCLE APT. J DUBLIN, CA 94568 | AFLAC | $21 | — | $21 | 0.06% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $21 | — | $21 | 0.06% |
| JULIE ATKINS3 | 16321 PACIFIC COAST HIGHWAY SPACE 6 PACIFIC PALISADES, CA 90272 | AFLAC | $19 | — | $19 | 0.05% |
| COLLEEN ANN DAVIS3 | P.O. BOX 2823 CANYON COUNTRY, CA 91386 | AFLAC | $17 | — | $17 | 0.05% |
| ROGER M. BERMAN3 | P.O. BOX 61 LYNNWOOD, WA 98046 | AFLAC | $16 | — | $16 | 0.04% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP STREET SUITE 2101 HONOLULU, HI 96813 | AFLAC | $14 | — | $14 | 0.04% |
| MJR INSURANCE SERVICES LLC3 | 5805 SEPULVEDA BLVD. SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $12 | — | $12 | 0.03% |
| WALTER F PETERS3 Filed as: WALTER F. PETERS | 1687 KALAUOKALANI WAY SUITE A, NUMBER 218 HONOLULU, HI 96814 | AFLAC | $11 | — | $11 | 0.03% |
| DAVID SCOTT MANCHESTER3 | 6104 SE HENDERSON STREET PORTLAND, OR 97206 | AFLAC | $11 | — | $11 | 0.03% |
| PATTIE L ARANIO3 Filed as: PATTIE L. ARANIO | 1136 UNION MALL SUITE 800 HONOLULU, HI 96813 | AFLAC | $11 | — | $11 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY ROAD FAIRFIELD, CA 94534 | AFLAC | $10 | — | $10 | 0.03% |
| ANNA JANICE RUIZ3 | 2596 17TH AVENUE SAN FRANCISCO, CA 94116 | AFLAC | $10 | — | $10 | 0.03% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $9 | — | $9 | 0.02% |
| BENJAMIN R. WERTHIMER3 | 433 SCHOOL ROAD NOVATO, CA 94945 | AFLAC | $8 | — | $8 | 0.02% |
| RUSSELL L WARYE3 Filed as: RUSSELL NAKAMURA | 4500 PARK GRANADA SUITE 202 CALABASAS, CA 91302 | AFLAC | $7 | — | $7 | 0.02% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUIAL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $6 | — | $6 | 0.02% |
| MANA INSURANCE SOLUTIONS INC3 Filed as: MANA INSURANCE SOLUTIONS INC. | P.O. BOX 930 MAKAWAO, HI 96768 | AFLAC | $5 | — | $5 | 0.01% |
| OLENA K SHEA3 Filed as: OLENA K. SHEA | 3 MITCHELL PLACE UNIT 18C NEW YORK, NY 10017 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H. WILLIS JR. | 1431 NE 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $5 | — | $5 | 0.01% |
| TODD V MASON3 Filed as: TODD V. MASON | 1607 W. PACIFIC COAST HIGHWAY APT. 144 WILMINGTON, CA 90744 | AFLAC | $4 | — | $4 | 0.01% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS E. VIGIL | 7808 E. CYPRESS STREET SCOTTSDALE, AZ 85257 | AFLAC | $3 | — | $3 | 0.01% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO H. PALOMINO | 2319 E. EDNA AVENUE PHOENX, AZ 85022 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL A/ STACHOWIAK | 321 N. CLARK STREET SUITE 615 CHICAGO, IL 60654 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH A NASCA3 Filed as: JOSEPH A. NASCA | 28081 W. MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN G JAEGGI3 Filed as: BRIAN G. JAEGGI | 15607 W. LILLI WAY VAN NUYS, CA 91406 | AFLAC | $2 | — | $2 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $2 | — | $2 | 0.01% |
| LARA K GRANDE3 Filed as: LARA K. GRANDE | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. MILLER | 728 MERCER PLACE HUNTERSVILLE, NC 28078 | AFLAC | $1 | — | $1 | 0.00% |
| VICTORIA L FLYNN3 Filed as: VICTORIA HOWARD | 1365 CAMINO PERAL SUITE A MORAGA, CA 94556 | AFLAC | $1 | — | $1 | 0.00% |
| LAUREL NICOLE HARMS3 | 785 TURRINI DRIVE DANVILLE, CA 94526 | AFLAC | $1 | — | $1 | 0.00% |
| JESSE RAMOS4 | 7331 SHELBY LANE SUITE 26 RANCHO CUCAMONGA, CA 91739 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | — | $1K | 11.64% |
| TANYA S. JONES4 | 1881 E. VILLA STREET PASADENA, CA 91107 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $293 | — | $293 | 2.47% |
| INTEGRITY ASSET SERVICES LLC4 | 1873 KOYUKON DRIVE SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $64 | — | $64 | 0.54% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVENUE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $23 | — | $23 | 0.19% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 596 | $3.5M |
| Vision | BLUE CROSS OF CALIFORNIA | 596 | $611K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 596 | $611K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 285 | $53K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 596 | $3.5M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 596 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.