| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.40% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABUCO ROAD IRVINE, CA 92620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 5.42% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABUCO ROAD IRVINE, CA 92620 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 5.07% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 4.93% |
| JEANNETTE BOTELLO3 | 3014 EAST ARBOR LANE ONTARIO, CA 91762 | AFLAC | $2K | $140 | $2K | 7.65% |
| SIRANOUSH SARA MKRTCHIAN3 | 11014 LORENE STREET WHITTIER, CA 90601 | AFLAC | $2K | $71 | $2K | 5.65% |
| JEANNETTE BOTELLO3 | 5353 YARMOUTH AVENUE, SUITE 203 ENCINO, CA 91316 | AFLAC | $1K | $0 | $1K | 3.77% |
| AMANDA J HUGGINS3 | 5204 WOLF RUN DRIVE COLUMBUS, OH 43220 | AFLAC | $962 | $74 | $1K | 3.64% |
| MJ INSURANCE3 Filed as: THOMPSON AND VARIOUS AGENTS | 2743 SOUTH SANDPIPER AVENUE ONTARIO, CA 91761 | AFLAC | $596 | $18 | $614 | 2.16% |
| SHEM J BOSTICK3 | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $518 | $53 | $571 | 2.01% |
| ELIBERTO A FAJARDO3 | 2603 SOUTH PALM AVENUE ONTARIO, CA 91762 | AFLAC | $460 | $0 | $460 | 1.62% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 101 2ND STREET, SUITE 525 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.76% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $786 | $0 | $786 | 4.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 101 2ND STREET, SUITE 525 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.83% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $964 | $0 | $964 | 6.17% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 101 2ND STREET, SUITE 525 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.75% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $920 | $0 | $920 | 8.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 101 2ND STREET, SUITE 525 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $573 | $0 | $573 | 5.73% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS LLC | 5530 TRABUCO ROAD IRVINE, CA 92620 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $427 | $0 | $427 | 4.27% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $551K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 440 | $123K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $19K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 258 | $54K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 40 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $551K |
| Other(3 contracts, 2 carriers) | AFLAC | 258 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.