| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $45K | — | $45K | 4.99% |
| INVESTLINC BUSINESS RESOURCES3 Filed as: INVESTLINC BUSINESS RESOURCES, INC. | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 7.56% |
| CLINT D SALMON3 Filed as: CLINT D. SALMON | 34 DOWNFIELD WAY TRABUCO CANYON, CA 92679 | AFLAC | $7K | $324 | $7K | 13.18% |
| PEGGY K SALMON3 Filed as: PEGGY K. SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $814 | $65 | $879 | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | AFLAC | $473 | — | $473 | 0.90% |
| MIRIAM F HUNGERFORD3 Filed as: MIRIAM F. HUNGERFORD | 33622 HOLTZ HILL ROAD DANA POINT, CA 92629 | AFLAC | $276 | $65 | $341 | 0.65% |
| STEPHANIE A REYNOSO3 Filed as: STEPHANIE REYNOSO AND OTHER AGENTS | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $196 | $34 | $230 | 0.44% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT W. BLACKSHEAR | 3453 CATHRYN DRIVE COLUMBUS, GA 31906 | AFLAC | $115 | — | $115 | 0.22% |
| KRISTEN NICOLE GLENN3 | 1604 VIA TULIPAN SAN CLEMENTE, CA 92673 | AFLAC | $98 | — | $98 | 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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 140 | $962K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $215K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $215K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 142 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $267K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $215K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 140 | $910K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 140 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.