| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INS SERVICES INC | 101 W ANAPAMU STREET 3RD FLOOR SANTA BARBARA, CA 93101 | ANTHEM BLUE CROSS | $417K | $14K | $431K | 3.88% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INS SERVICES INC | 4690 CARPINTERIA AVE, SUITE B CARPINTERIA, CA 93013 | HARTFORD LIFE AND ACCIDENT | $39K | $353 | $40K | 4.04% |
| CHARLENE G MALTZMAN CORPORATION3 | 349 ASH AVENUE #52 CARPINTERIA, CA 93013 | AFLAC | $18K | $1K | $19K | 5.75% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVE STE 242 SANTA BARBARA, CA 93111 | AFLAC | $14K | $388 | $14K | 4.44% |
| LORI TAKEUCHI3 | 226 DAWLISH PL SANTA BARBARA, CA 93108 | AFLAC | $11K | $861 | $12K | 3.54% |
| PAMELA J. JOHNSON3 | 436 EMERALD BAY DR. ARROYO GRANDE, CA 93420 | AFLAC | $8K | $472 | $9K | 2.71% |
| ERNESTO GONZALEZ3 Filed as: ERNESTO GONZALES INSURANCE SERVICES | 310 JAMES WAY SUITE 150 PISMO BEACH, CA 93449 | AFLAC | $7K | $484 | $8K | 2.32% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $3K | $470 | $3K | 0.94% |
| ROGER D. IRION3 | 1375 E GRAND AVE 111 ARROYO GRANDE, CA 93420 | AFLAC | $1K | — | $1K | 0.34% |
| GUERDON SMITH JR3 | 4144 MARINA DR SANTA BARBARA, CA 93110 | AFLAC | $746 | — | $746 | 0.23% |
| JOSEPH RAY HARDIE3 | 10116 36TH AVENUE CT STE 304 LAKEWOOD, WA 98499 | AFLAC | $491 | $94 | $585 | 0.18% |
| BRENDA COLLINS POWELL3 | 1727 STATE ST STE 5 SANTA BARBARA, CA 93101 | AFLAC | $173 | $7 | $180 | 0.06% |
| BRADLEY IAN WITT3 | 80 WOOD RD STE 202 CAMARILLO, CA 93010 | AFLAC | $99 | — | $99 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 500 E FORT KING ST, STE A OCALA, FL 34471 | AFLAC | $86 | — | $86 | 0.03% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVENUE, STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $69 | — | $69 | 0.02% |
| CHUCK A. WRIGHT3 Filed as: CHUCK A WRIGHT | PO BOX 13207 SAN LUIS OBISPO, CA 93406 | AFLAC | $54 | — | $54 | 0.02% |
| JAMES T. DUDLEY3 Filed as: JAMES T DUDLEY | 2001 SAN BERNARDO CK RD MORRO BAY, CA 93442 | AFLAC | $39 | — | $39 | 0.01% |
| PATTI ELMORE3 Filed as: PATTI G ELMORE | PO BOX 215 ANAHOLA, HI 96703 | AFLAC | $38 | — | $38 | 0.01% |
| WARREN E CHRISTY3 | 19420 STONE CRESS CT EDMOND, OK 73012 | AFLAC | $37 | — | $37 | 0.01% |
| SAUNDRA A DUDLEY3 | 2001 SAN BERNARDO CK RD MORRO BAY, CA 93442 | AFLAC | $34 | — | $34 | 0.01% |
| MADONNA DAILEY3 Filed as: MADONNA M DAILEY | 977 VISTA CERRO DR PASO ROBLES, CA 93446 | AFLAC | $18 | $10 | $28 | 0.01% |
| KAREN LEE LINDSEY3 | 4465 NOTTINGHAM DR SANTA MARIA, CA 93455 | AFLAC | $22 | — | $22 | 0.01% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $18 | — | $18 | 0.01% |
| C. DALE RIGGE3 | 766 HELVETIA AVE RENO, NV 89502 | AFLAC | $16 | — | $16 | 0.00% |
| STEPHANIE M INSABELLA3 | 80 WOOD RD STE 202 CAMARILLO, CA 93010 | AFLAC | $16 | — | $16 | 0.00% |
| DONALD L DAVENPORT3 | 13407 SOUTHWALK SAN ANTONIO, TX 78232 | AFLAC | $14 | — | $14 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD, STE 6 RICHMOND, VA 23238 | AFLAC | $12 | — | $12 | 0.00% |
| CHERYL DENIS DAVENPORT3 | 13407 SOUTHWALK ST SAN ANTONIO, TX 78232 | AFLAC | $12 | — | $12 | 0.00% |
| SARAH E WRIGHT3 | 6612 MADONNA AVE BAKERSFIELD, CA 93308 | AFLAC | $12 | — | $12 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS | 1853 PENNY ROYAL COURT MONUMENT, CO 80132 | AFLAC | $11 | — | $11 | 0.00% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE | 80 WOOD RD STE 202 CAMARILLO, CA 93010 | AFLAC | $8 | — | $8 | 0.00% |
| THERESA E GOMEZ3 | 9815 STEELHEAD RD PASO ROBLES, CA 93446 | AFLAC | $6 | $2 | $8 | 0.00% |
| PAUL B ROBEDEAU3 | 9523 BAY CT CARMEL, CA 93923 | AFLAC | $6 | — | $6 | 0.00% |
| BRENT ROGER ANDERSON3 | 1900 STATE ST, STE E SANTA BARBARA, CA 93101 | AFLAC | $5 | — | $5 | 0.00% |
| DAVID BECKSTEAD3 Filed as: DAVID R BECKSTEAD | 8 CRIMSON RDG HURRICANE, UT 84737 | AFLAC | $2 | — | $2 | 0.00% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | P.O. BOX 61010 SANTA BARBARA, CA 93160 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA M TIERCE | 2204 PLEASANTWOOD LN ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| JOHN A. BRADLEY INC.3 Filed as: JOHN A BRADLEY INC. | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $997 | — | $997 | 0.75% |
| BRUCE W BUSSER3 | 22461 SAN JOAQUIN DRIVE WEST CANYON LAKE, CA 92587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | — | $542 | 0.41% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES | P.O. BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 0.34% |
| MAGNONE FINANCIAL SERVICES CORP3 Filed as: MAGNONE FINANCIAL SERVICES | 3151 OUTRIGGER AVE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 0.32% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INS SERVICES LLC | 101 W ANAPAMU STREET 3RD FLOOR SANTA BARBARA, CA 93101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 0.21% |
| CALIFORNIA INSURANCE ADVOCATES INC3 | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.16% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INS SERVICES INC | 402 E. GUTIERREZ ST SANTA BARBARA, CA 93111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 0.12% |
| UZIEL RIVERA3 | 543 CHEROKEE CIR BANNING, CA 92220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 0.12% |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 1,790 | $11.3M |
| Dental | ANTHEM BLUE CROSS | 1,790 | $11.1M |
| Vision | ANTHEM BLUE CROSS | 1,790 | $11.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 1,790 | $11.3M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,166 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,166 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.