| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E LEE & ASSOCIATES INC.3 | 16835 WEST BERNARDO DR, SUITE 212 SAN DIEGO, CA 92127 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $37K | — | $37K | 4.17% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $19K | $19K | 2.13% |
| E LEE & ASSOCIATES INC.3 Filed as: E LEE & ASSOCAITES INC. | 16835 WEST BERNARDO DR, SUITE 212 SAN DIEGO, CA 92127 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $15K | — | $15K | 3.92% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $8K | — | $8K | 2.00% |
| EDWARD LEE3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KASIER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 5.31% |
| EDWARD LEE3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KASIER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 5.32% |
| BOK FINANCIAL INSURANCE3 Filed as: EDWARD BOK LEE | 16835 W BERNARDO DR #212 SAN DIEGO, CA 92127 | AFLAC | $2K | — | $2K | 3.75% |
| BROOKE K FRAPWELL3 | 5050 MURPHY CANYON RD SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $2K | $287 | $2K | 3.31% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $1K | — | $1K | 2.23% |
| CATHERINE KIES GOHL3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $1K | $57 | $1K | 2.22% |
| MANDY L. LOUGHLIN3 Filed as: MANDY L LOUGHLIN | 2355 MARSHALL WAY ALPINE, CA 91901 | AFLAC | $936 | — | $936 | 1.62% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $804 | — | $804 | 1.39% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $351 | $57 | $408 | 0.71% |
| CLINT D SALMON3 | 34 DOWNFIELD WAY TRABUCO CANYON, CA 92679 | AFLAC | $388 | — | $388 | 0.67% |
| JENNIFER K BAKER3 | 4162 ROCHESTER RD SAN DIEGO, CA 92116 | AFLAC | $355 | — | $355 | 0.61% |
| DANIEL H GRIFFIN3 | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $280 | $66 | $346 | 0.60% |
| PCS INSURANCE SERVICES INC3 | 2553 27TH STREET APT A SACRAMENTO, CA 95818 | AFLAC | $335 | — | $335 | 0.58% |
| COLEEN HAGERTY ELKINS3 Filed as: COLEEN MARIE HAGERTY-ELKINS | 129 BIG BEND DRIVE WHITNEY, TX 76692 | AFLAC | $262 | — | $262 | 0.45% |
| ANDREW R GRETHEL3 | 5963 LA PLACE COURT SUITE 107 CARLSBAD, CA 92008 | AFLAC | $201 | $57 | $258 | 0.45% |
| MICHAEL F IVES3 | 2685 S RAINBOW BLVD STE 100 LAS VEGAS, NV 89146 | AFLAC | $218 | — | $218 | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5463 SOUTH DURANGO DR STE B LAS VEGAS, NV 89113 | AFLAC | $195 | — | $195 | 0.34% |
| CAROLE ANNE COURLANG3 | 9767 CAMINITO DEL MARFIL SAN DIEGO, CA 92124 | AFLAC | $141 | — | $141 | 0.24% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $134 | — | $134 | 0.23% |
| LAUREN SMITH INSURANCE SERVICES INC3 | 4428 ARIZONA STREET 7 SAN DIEGO, CA 92116 | AFLAC | $127 | — | $127 | 0.22% |
| WILLIAM MARZOLF3 Filed as: WILLIAM D MARZOLF | 3647 TOPAWA DRIVE LAS VEGAS, NV 89103 | AFLAC | $63 | — | $63 | 0.11% |
| JUSTIN M REYNOLDS3 | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $49 | $11 | $60 | 0.10% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $55 | — | $55 | 0.10% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $51 | — | $51 | 0.09% |
| SIMON B REYES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, NV 89103 | AFLAC | $50 | — | $50 | 0.09% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN/ELT EMPLOYEE BENEFITS LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | AFLAC | $43 | — | $43 | 0.07% |
| JENNIFER L FOSS3 | 9034 E EASTER PL STE 202 CENTENNIAL, CO 80112 | AFLAC | $31 | — | $31 | 0.05% |
| RICHARD J KUNZ3 | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $23 | $4 | $27 | 0.05% |
| JANET DUNGAN3 Filed as: JANET K DUNGAN | 337 S ELM DRIVE BEVERLY HILLS, CA 90212 | AFLAC | $24 | — | $24 | 0.04% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $23 | — | $23 | 0.04% |
| NITA SHARON HULL3 | 3830 BLUE DASHER DR KISSIMMEE, FL 34744 | AFLAC | $19 | — | $19 | 0.03% |
| KEVIN J SNIDER3 | 5333 BALTIMORE DR APT 130 LA MESA, CA 91942 | AFLAC | $19 | — | $19 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $12 | $7 | $19 | 0.03% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $17 | — | $17 | 0.03% |
| KEVIN J SNIDER3 | 5333 BALTIMORE DR APT 69 LA MESA, CA 91942 | AFLAC | $16 | — | $16 | 0.03% |
| GAIL B. SILVER3 Filed as: GAIL B SILVER | 265 SO OAKHURST DR BEVERLY HILLS, CA 90212 | AFLAC | $16 | — | $16 | 0.03% |
| MONICA B SCHWARZBLATT3 | 623 N CRESCENT DR BEVERLY HILLS, CA 90210 | AFLAC | $16 | — | $16 | 0.03% |
| OSBORN INSURANCE SERVICES3 | 555 FRONTIER WAY TEMPLETON, CA 93465 | AFLAC | $14 | — | $14 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $14 | — | $14 | 0.02% |
| MIRIAM F HUNGERFORD3 | 17401 ARMSTRONG AVE SUITE 200 IRVINE, CA 92614 | AFLAC | $12 | — | $12 | 0.02% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE ST STE 220 GRANADA HILLS, CA 91344 | AFLAC | $9 | — | $9 | 0.02% |
| JON P BATES JR3 | 440 REGENTS PARK DR VALLEJO, CA 94591 | AFLAC | $4 | — | $4 | 0.01% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BLVD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $3 | — | $3 | 0.01% |
| GRAND GUILLORY3 | 5116 FURLONG WAY ANTIOCH, CA 94531 | AFLAC | $2 | — | $2 | 0.00% |
| PHYLLIS DEMETRI GUILLORY3 Filed as: PHYLLIS D GUILLORY | 5116 FURLONG WAY ANTIOCH, CA 94531 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 110 HASLEMERE CT LAFAYETTE, CA 94549 | AFLAC | $1 | — | $1 | 0.00% |
| LEE PHYLLIS PRESTOPINE3 Filed as: E LEE & ASSOC INC | — | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $973 | — | $973 | 4.16% |
| ELT INSURANCE SERVICES3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| ELT INSURANCE SERVICES3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.00% |
| E LEE & ASSOCIATES INC.3 | 16835 WEST BERNARDO DR, SUITE 212 SAN DIEGO, CA 92127 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $953 | — | $953 | 6.67% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $571 | — | $571 | 4.00% |
| ELT INSURANCE SERVICES3 | 16838 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $345 | — | $345 | 14.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 110 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 110 | $912K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 110 | $898K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $15K |
| Short-term disability | AFLAC | 58 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $21K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 6 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
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.