| 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 | $473K | — | $473K | 2.83% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INS SERVICES INC | 4690 CARPINTERIA AVE, SUITE B CARPINTERIA, CA 93013 | HARTFORD LIFE AND ACCIDENT | $40K | $23K | $63K | 6.31% |
| CHARLENE G MALTZMAN CORPORATION3 | 349 ASH AVENUE #52 CARPINTERIA, CA 93013 | AFLAC | $15K | $738 | $15K | 4.49% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVE STE 242 SANTA BARBARA, CA 93111 | AFLAC | $14K | $315 | $15K | 4.26% |
| LORI TAKEUCHI3 | 226 DAWLISH PL SANTA BARBARA, CA 93108 | AFLAC | $12K | $834 | $13K | 3.81% |
| ERNESTO T GONZALEZ3 Filed as: ERNESTO GONZALEZ INSURANCE SERVICES | 1618 SANTILLAN AVE SANTA MARIA, CA 93458 | AFLAC | $7K | $331 | $7K | 2.06% |
| PAMELA J. JOHNSON3 | 436 EMERALD BAY DR. ARROYO GRANDE, CA 93420 | AFLAC | $5K | $79 | $6K | 1.61% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1K | — | $1K | 0.41% |
| ROGER D. IRION3 | 1375 E GRAND AVE 111 ARROYO GRANDE, CA 93420 | AFLAC | $991 | — | $991 | 0.29% |
| GUERDON SMITH JR3 | 4144 MARINA DR SANTA BARBARA, CA 93110 | AFLAC | $641 | — | $641 | 0.19% |
| JOSEPH P CALARCO3 Filed as: JOSEPH HARDIE | 80 WOOD RD STE 202 CAMARILLO, CA 93010 | AFLAC | $283 | $16 | $299 | 0.09% |
| BRENDA COLLINS POWELL3 | 1727 STATE ST STE 5 SANTA BARBARA, CA 93101 | AFLAC | $165 | — | $165 | 0.05% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $113 | — | $113 | 0.03% |
| DUANE FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $108 | $0 | $108 | 0.03% |
| BRADLEY IAN WITT3 | 80 WOOD RD STE 202 CAMARILLO, CA 93010 | AFLAC | $107 | — | $107 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $86 | — | $86 | 0.03% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVENUE, STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $59 | — | $59 | 0.02% |
| CHUCK A. WRIGHT3 Filed as: CHUCK A WRIGHT | PO BOX 13207 SAN LUIS OBISPO, CA 93406 | AFLAC | $54 | — | $54 | 0.02% |
| STEPHANIE M INSABELLA3 | 80 WOOD RD STE 202 CAMARILLO, CA 93010 | AFLAC | $47 | — | $47 | 0.01% |
| 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% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE | 3420 ORCUTT RD STE 206 B SANTA MARIA, CA 93455 | AFLAC | $25 | — | $25 | 0.01% |
| KIRK LINDSEY3 | 4465 NOTTINGHAM DR SANTA MARIA, CA 93455 | AFLAC | $22 | — | $22 | 0.01% |
| C. DALE RIGGE3 | 766 HELVETIA AVE RENO, NV 89502 | AFLAC | $16 | — | $16 | 0.00% |
| JACK GATHINGS3 | 7235 S GOLFSIDE LANE PHOENIX, AZ 85042 | AFLAC | $16 | — | $16 | 0.00% |
| DONALD L DAVENPORT3 | P.O. BOX 792744 SAN ANTONIO, TX 78279 | 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 | P.O. BOX 792744 SAN ANTONIO, TX 78279 | 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 | 25405 PERDIDO BEACH BLVD STE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $11 | — | $11 | 0.00% |
| MADONNA DAILEY3 Filed as: MADONNA M DAILEY | 977 VISTA CERRO DR PASO ROBLES, CA 93446 | AFLAC | $11 | — | $11 | 0.00% |
| PAUL B ROBEDEAU3 | 9523 BAY CT CARMEL, CA 93923 | AFLAC | $6 | — | $6 | 0.00% |
| THERESA E GOMEZ3 | 9815 STEELHEAD RD PASO ROBLES, CA 93446 | AFLAC | $6 | — | $6 | 0.00% |
| BRENT ROGER ANDERSON3 | 1900 STATE ST, STE E SANTA BARBARA, CA 93101 | AFLAC | $5 | — | $5 | 0.00% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $5 | $0 | $5 | 0.00% |
| BEVERLY BECKSTEAD3 | 83 E GOLD BULLION WAY WASHINGTON, UT 84780 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $2 | — | $2 | 0.00% |
| VIRGIL LEE WHITE3 Filed as: VIRGIL WHITE | 1123 SOQUEL AVE SANTA CRUZ, CA 95062 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES CAREY3 Filed as: CHARLES CAERY | 16165 LYLE ST SAN LEANDRO, CA 94578 | AFLAC | $1 | — | $1 | 0.00% |
| SHANE DAVISON3 | 1300 SHETTER AVE APT 4202 JACKSONVILLE BEACH, FL 32250 | AFLAC | $1 | — | $1 | 0.00% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| 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 | $2K | — | $2K | 1.81% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA M TIERCE | 2204 PLEASANTWOOD LN ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.87% |
| JOHN A. BRADLEY INC.3 Filed as: JOHN A BRADLEY INC. | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $831 | — | $831 | 0.68% |
| BRUCE W BUSSER3 | 22461 SAN JOAQUIN DRIVE WEST CANYON LAKE, CA 92587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $412 | — | $412 | 0.34% |
| 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 | $381 | — | $381 | 0.31% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES | P.O. BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $372 | — | $372 | 0.31% |
| MAGNONE FINANCIAL SERVICES CORP3 Filed as: MAGNONE FINANCIAL SERVICES | 3151 OUTRIGGER AVE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | — | $367 | 0.30% |
| CALIFORNIA INSURANCE ADVOCATES INC3 | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 0.15% |
| UZIEL RIVERA3 | 543 CHEROKEE CIR BANNING, CA 92220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.09% |
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 | 873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 2,536 | $16.8M |
| Dental | ANTHEM BLUE CROSS | 2,536 | $16.7M |
| Vision | ANTHEM BLUE CROSS | 2,536 | $16.7M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 2,536 | $16.8M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,137 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,137 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,536 | — |
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.