| 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 | $544K | — | $544K | 2.95% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INS SERVICES INC | 101 W ANAPAMU STREET 3RD FLOOR SANTA BARBARA, CA 93101 | HARTFORD LIFE AND ACCIDENT | $45K | — | $45K | 4.21% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVE STE 213 SANTA BARBARA, CA 93111 | AFLAC | $15K | $6 | $15K | 4.13% |
| LORI TAKEUCHI3 | 333 OLD MILL RD SPC 213 SANTA BARBARA, CA 93110 | AFLAC | $11K | $12 | $11K | 2.98% |
| CHARLENE G MALTZMAN CORPORATION3 | 349 ASH AVENUE #52 CARPINTERIA, CA 93013 | AFLAC | $10K | $6 | $10K | 2.68% |
| LORI TAKEUCHI3 | 226 DAWLISH PL SANTA BARBARA, CA 93108 | AFLAC | $9K | $22 | $9K | 2.62% |
| ERNESTO GONZALEZ3 | 22720 CANYON VIEW DR CORONA, CA 92883 | AFLAC | $4K | — | $4K | 1.15% |
| PAMELA J. JOHNSON3 | 436 EMERALD BAY DR. ARROYO GRANDE, CA 93420 | AFLAC | $4K | — | $4K | 1.08% |
| DANIEL VORDALE INS SVCS INC3 | 3420 ORCUTT RD STE 206 B SANTA MARIA, CA 93455 | AFLAC | $3K | $5 | $3K | 0.83% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META ROAD CORNELIUS, NC 28031 | AFLAC | $1K | — | $1K | 0.30% |
| ROGER D. IRION3 | 1375 E GRAND AVE 111 ARROYO GRANDE, CA 93420 | AFLAC | $778 | — | $778 | 0.22% |
| GUERDON SMITH JR3 | 4144 MARINA DR SANTA BARBARA, CA 93110 | AFLAC | $652 | — | $652 | 0.18% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $373 | — | $373 | 0.10% |
| DUANE FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $347 | — | $347 | 0.10% |
| BRENDA COLLINS POWELL3 | 1727 STATE ST STE 5 SANTA BARBARA, CA 93101 | AFLAC | $141 | — | $141 | 0.04% |
| JOSEPH RAY HARDIE3 | 6000 E. EVANS AVE STE 1-330 DENVER, CO 80222 | AFLAC | $125 | — | $125 | 0.03% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $97 | — | $97 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $86 | — | $86 | 0.02% |
| JOSEPH RAY HARDIE3 | 1054 GATEWAY BLVD STE 107 BOYNTON BEACH, FL 33426 | AFLAC | $68 | — | $68 | 0.02% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $60 | — | $60 | 0.02% |
| CHUCK A. WRIGHT3 Filed as: CHUCK A WRIGHT | PO BOX 13207 SAN LUIS OBISPO, CA 93406 | AFLAC | $54 | — | $54 | 0.01% |
| JAMES T. DUDLEY3 Filed as: JAMES T DUDLEY | 801 LITTLE MORRO CREEK 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% |
| STEPHANIE M INSABELLA3 | 300 E ESPLANDE DR, STE 1220 OXNARD, CA 93036 | AFLAC | $27 | — | $27 | 0.01% |
| KAREN LEE LINDSEY3 | 4465 NOTTINGHAM DR SANTA MARIA, CA 93455 | AFLAC | $22 | — | $22 | 0.01% |
| BEN CONTRERAS3 | 300 OAK HILL DR LOMPOC, CA 93436 | AFLAC | $20 | — | $20 | 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 | 13407 SOUTHWALK ST 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 | 25405 PERDIDO BEACH BLVD STE 21-226 ORANGE BEACH, AL 36561 | AFLAC | $11 | — | $11 | 0.00% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $11 | — | $11 | 0.00% |
| MATTHEW NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $9 | — | $9 | 0.00% |
| VIRGIL LEE WHITE3 Filed as: VIRGIL WHITE | 1426 E J ST OAKDALE, CA 95361 | AFLAC | $8 | — | $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% |
| CHARLES CAREY3 Filed as: CHARLES CAERY | 16165 LYLE ST SAN LEANDRO, CA 94578 | AFLAC | $4 | — | $4 | 0.00% |
| SHANE DAVISON3 | 120 PROVIDENCE TRL, APT 1200 MT JULIET, TN 37122 | AFLAC | $3 | — | $3 | 0.00% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 50 CALLE DE VIDA RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID BECKSTEAD3 Filed as: DAVID R BECKSTEAD | 8 CRIMSON RDG HURRICANE, UT 84737 | AFLAC | $2 | — | $2 | 0.00% |
| HORACE R WEAVER III3 Filed as: HORACE WEAVER | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $1 | — | $1 | 0.00% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.91% |
| 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 | 1.64% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA M TIERCE | 2204 PLEASANTWOOD LN ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $787 | — | $787 | 0.79% |
| JOHN A. BRADLEY INC.3 Filed as: JOHN A BRADLEY INC. | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $636 | — | $636 | 0.64% |
| BRUCE W BUSSER3 | 22461 SAN JOAQUIN DRIVE WEST CANYON LAKE, CA 92587 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | — | $366 | 0.37% |
| 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 | $266 | — | $266 | 0.27% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES | P.O. BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.26% |
| MAGNONE FINANCIAL SERVICES CORP3 Filed as: MAGNONE FINANCIAL SERVICES | 3151 OUTRIGGER AVE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.25% |
| CALIFORNIA INSURANCE ADVOCATES INC3 | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.12% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $70 | — | $70 | 0.07% |
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 | 1,105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 2,971 | $18.5M |
| Dental | ANTHEM BLUE CROSS | 2,971 | $18.4M |
| Vision | ANTHEM BLUE CROSS | 2,971 | $18.4M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 2,971 | $18.5M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,293 | $1.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,293 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,971 | — |
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.