| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | UNKNOWN CHINO, CA 91710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $0 | $64K | 14.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $0 | $24K | 5.31% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | UNKNOWN CHINO, CA 91710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.95% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM CORPORATE SOLUTIONS, LLC | UNKNOWN CHINO, CA 91710 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$63 | $0 | -$63 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, CA 64114 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $0 | $8K | 6.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 3.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $4K | $4K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $9K | 15.50% |
| 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 | $3K | $0 | $3K | 4.47% |
| JEANNETTE BOTELLO3 | 555 ROSEWOOD AVENUE APARTMENT 1208 CAMARILLO, CA 93010 | AFLAC | $2K | $156 | $2K | 8.54% |
| SIRANOUSH SARA MKRTCHIAN3 | 11014 LORENE STREET WHITTIER, CA 90601 | AFLAC | $2K | $91 | $2K | 7.15% |
| ELIBERTO A FAJARDO3 Filed as: ELIBERTO A. FAJARDO | 2603 SOUTH PALM AVENUE ONTARIO, CA 91762 | AFLAC | $1K | $0 | $1K | 4.37% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $610 | $69 | $679 | 2.64% |
| MJ INSURANCE3 Filed as: DAVID J. REESOR AND VARIOUS AGENTS | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $282 | $3 | $285 | 1.11% |
| ELIBERTO A FAJARDO3 Filed as: ELIBERTO A. FAJARADO | 111 SOUTH BARRANCA STREET APARTMENT 241 WEST COVINA, CA 91791 | AFLAC | $170 | $113 | $283 | 1.10% |
| AMANDA J HUGGINS3 Filed as: AMANDA J. HUGGINS | 5204 WOLF RUN DRIVE COLUMBUS, OH 43230 | AFLAC | $195 | $17 | $212 | 0.82% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $443K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 470 | $124K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $60K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $86K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $86K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $443K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 272 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.