| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK CHARLES ROSENTHAL3 | 11813 IOWA AVENUE #2 LOS ANGELES, CA 90025 | HEALTH NET | $71K | — | $71K | 4.32% |
| GORDON THOMAS COLBURN3 | 981 W ARROW HIGHWAY 367 SAN DIMAS, CA 91773 | HEALTH NET | $11K | — | $11K | 0.67% |
| MICHELLE ANN DERAS3 | 724 N LA PALOMA AVENUE ONTARIO, CA 91764 | AFLAC | $4K | $158 | $4K | 6.44% |
| KRISTINA J KUNZ3 Filed as: KRISTINA KUNZ | 118 GRANVILLR WAY SAN FRANCISCO, CA 94127 | AFLAC | $895 | — | $895 | 1.49% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $504 | $32 | $536 | 0.89% |
| MARK CHARLES ROSENTHAL3 Filed as: MARK ROSENTHAL | 11813 IOWA AVENUE #2 LOAS ANGELES, CA 90025 | AFLAC | $491 | — | $491 | 0.82% |
| RICHARD J KUNZ3 Filed as: RICHARD KUNZ | 601 MONGOMERY STREET SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $396 | — | $396 | 0.66% |
| RUBEN ROSA3 | 5307 SEPULVEDA BOULEVARD APT 118 SHERMAN OAKS, CA 91411 | AFLAC | $263 | $32 | $295 | 0.49% |
| PAUL GALLEGOS3 | 10519 SHOSHONE AVENUE GRANDA HILLS, CA 91344 | AFLAC | $291 | — | $291 | 0.48% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 2922 CORDA LANE LOS ANGELES, CA 90049 | AFLAC | $251 | — | $251 | 0.42% |
| JOHN KUNZ3 | 8100 LIBERTY GROVE ROAD SUITE 400 ROWLETT, TX 75089 | AFLAC | $234 | — | $234 | 0.39% |
| SVETLANA MAGILNER3 | 1850 S OCEAN DRIVE APT 2603 HALLANDALE BEACH, FL 33009 | AFLAC | $203 | — | $203 | 0.34% |
| BRIAN GEORGE JAEGGI3 Filed as: BRIAN JAEGGI | 8591 DYNASTY DRIVE BOCA RATON, FL 33433 | AFLAC | $103 | — | $103 | 0.17% |
| RAQUEL RAMIREZ3 | 10779 BARNARD BEE COURT LAS VEGAS, NV 89183 | AFLAC | $70 | — | $70 | 0.12% |
| CHRISTOPHER HAGER3 | 8021 TRUXTON AVENUE LOS ANGELES, CA 90045 | AFLAC | $51 | — | $51 | 0.08% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 14747 N NORTHSIGHT BOULEVARD SUITE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $45 | — | $45 | 0.07% |
| BLANCA DAVIS3 | 8260 E ELLERFORD STREET LONG BEACH, CA 90808 | AFLAC | $43 | — | $43 | 0.07% |
| KATHERINE J. WILES3 Filed as: KATHERINE WILES | 9831 ALBURTIS AVENUE UNIT 33 SANTA FE SPRINGS, CA 90670 | AFLAC | $15 | — | $15 | 0.02% |
| CASSANDRA GREEN3 | 2698 JUNIPERO AVENUE SUITE 201B SIGNAL HILL, CA 90755 | AFLAC | $14 | — | $14 | 0.02% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DRIVE BOCA RATON, FL 33433 | AFLAC | $9 | — | $9 | 0.01% |
| ANNETTE BURNS3 | 28303 BRYCE DRIVE CASTAIC, CA 91384 | AFLAC | $9 | — | $9 | 0.01% |
| CORKY SOCORRO EMETT3 Filed as: CORKY EMETT | 80579 APPLE COURT INDIO, CA 92201 | AFLAC | $8 | — | $8 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL STACHOWIAK | 321 N CLARK STREET SUITE 615 CHICAGO, IL 60654 | AFLAC | $7 | — | $7 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $6 | — | $6 | 0.01% |
| LAURA BENJUMEA3 | 12200 MONTECITO ROAD APT F201 SEAL BEACH, CA 90740 | AFLAC | $4 | — | $4 | 0.01% |
| GEOFFREY MALAIS3 | PO BOX 280717 NORTHRIDGE, CA 91328 | AFLAC | $4 | — | $4 | 0.01% |
| HAROLD L STAFFORD3 Filed as: HAROLD STAFFORD | 8544 TOWNLEY ROAD APT 18 HUNTERSVILLE, NC 28078 | AFLAC | $1 | — | $1 | 0.00% |
| MARK CHARLES ROSENTHAL3 Filed as: MARK C ROSENTHAL | 11813 IOWA AVENUE #2 LOS ANGELES, CA 90025 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.61% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $758 | — | $758 | 5.07% |
| JEFFREY M NEWMAN3 | 46 SOUTH MAIN STREET MEDFORD, NJ 08055 | TRANSAMERICA LIFE INSURANCE COMPANY | $102 | — | $102 | 0.68% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST PA | 169A LAMEUSE STREET BILOXI, MS 39530 | TRANSAMERICA LIFE INSURANCE COMPANY | $73 | — | $73 | 0.49% |
| MARK CHARLES ROSENTHAL3 Filed as: MARK ROSENTHAL | 11813 IOWA AVENUE LOS ANGELES, CA 90025 | METROPOLITAN LIFE INSURANCE COMPANY | $263 | — | $263 | 1.82% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 245 | $1.7M |
| Dental | HEALTH NET | 245 | $1.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $14K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 27 | $15K |
| Other(2 contracts, 2 carriers) | AFLAC | 73 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
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.