| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. BROKERS | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | HEALTH NET | $27K | $0 | $27K | 3.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CA., INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | HEALTH NET | $8K | $0 | $8K | 1.15% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. BROKERS | PO BOX 19763 IRVINE, CA 92623 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $378 | $5K | 6.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES CA., INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.31% |
| SANDRA AGHARAAD3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $1K | $54 | $1K | 6.80% |
| MJ INSURANCE3 Filed as: JESSICA PEREZ AND VARIOUS AGENTS | 11835 WEST OLYMPIC BOULEVARD SUITE 795E LOS ANGELES, CA 90064 | AFLAC | $695 | $68 | $763 | 4.84% |
| MICHAEL SILVER3 | 11935 DOROTHY STREET, APARTMENT 301 LOS ANGELES, CA 90049 | AFLAC | $383 | $175 | $558 | 3.54% |
| CARLOS ENRIQUEZ INS. SERVICES CORP.3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $378 | $50 | $428 | 2.71% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INS. SVCS. | 1920 MAIN STREET, SUITE 600 IRVINE, CA 92614 | AFLAC | $385 | $0 | $385 | 2.44% |
| SAMANTHA HOOPER3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $314 | $0 | $314 | 1.99% |
| LISA NOBLE3 | 31938 TEMECULA PARKWAY, SUITE A375 TEMECULA, CA 92592 | AFLAC | $217 | $0 | $217 | 1.38% |
| STANLEY KEITH LEVINE INSURANCE3 | 715 NORTH IRENA AVENUE, SUITE B REDONDO BEACH, CA 90277 | KANAWHA INSURANCE COMPANY | $37 | $0 | $37 | 2.26% |
| SHERRI GUEDEA3 | 1101 CALIFORNIA AVENUE, SUITE 204 CORONA, CA 92881 | KANAWHA INSURANCE COMPANY | $36 | $0 | $36 | 2.20% |
| TRACY A. KEISER FRAZIER3 | 3753 HOWARD HUGHES PARKWAY LAS VEGAS, NV 89169 | KANAWHA INSURANCE COMPANY | $19 | $0 | $19 | 1.16% |
| SHAWN F. HUFF3 | 28547 CALEX DRIVE VALENCIA, CA 91354 | KANAWHA INSURANCE COMPANY | $1 | $0 | $1 | 0.06% |
| ASHLEIGH N. GUEDEA3 | 1101 CALIFORNIA AVENUE, SUITE 204 CORONA, CA 92881 | KANAWHA INSURANCE COMPANY | $1 | $0 | $1 | 0.06% |
| SHERRI GUEDEA3 | 1101 CALIFORNIA AVENUE, SUITE 100 CORONA, CA 92881 | MANHATTANLIFE | $15 | $0 | $15 | 2.21% |
| STANLEY KEITH LEVINE INSURANCE3 | 715 NORTH IRENA AVENUE, SUITE B REDONDO BEACH, CA 90277 | MANHATTANLIFE | $14 | $0 | $14 | 2.06% |
| TRACY A. KEISER FRAZIER3 | 3753 HOWARD HUGHES PARKWAY LAS VEGAS, NV 89169 | MANHATTANLIFE | $4 | $0 | $4 | 0.59% |
| ASHLEIGH N. GUEDEA3 | 1101 CALIFORNIA AVENUE, SUITE 204 CORONA, CA 92881 | MANHATTANLIFE | $2 | $0 | $2 | 0.29% |
| SHAWN F. HUFF3 | 28547 CALEX DRIVE VALENCIA, CA 91354 | MANHATTANLIFE | $1 | $0 | $1 | 0.15% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 115 | $728K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $78K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $80K |
| Short-term disability | KANAWHA INSURANCE COMPANY | 11 | $2K |
| Prescription drug | HEALTH NET | 115 | $728K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.