| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | BLUE CROSS OF CALIFORNIA | $63K | $3K | $67K | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 N TRYON ST STE 46 CHARLOTTE, NC 282021078 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.43% |
| BB&T INSURANCE SERVICES, INC.3 | 130 THEORY STE 200 IRVINE, CA 92617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.21% |
| JAMES P BOADA3 Filed as: JAMES P. BOADA | 25501 PURPLE SAGE LANE SAN JUAN CAPISTRANO, CA 92675 | AFLAC | $2K | — | $2K | 5.26% |
| AURELIO VELA INSURANCE SERVICES INC3 Filed as: AURELIO VELA INSURANCE SERVICES IN | 7602 SORENSEN AVE WHITTIER, CA 90606 | AFLAC | $474 | — | $474 | 1.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY SUITE 200 IRVINE, CA 92617 | AFLAC | $435 | — | $435 | 1.34% |
| CHARLES A. WOODWARD3 | 2103 EAST 39TH STREET STERLING, IL 61081 | AFLAC | $285 | — | $285 | 0.88% |
| JONATHAN ALI HAJIMOMEN3 | 6540 GRAND MANAN DR CYPRESS, CA 90630 | AFLAC | $257 | — | $257 | 0.79% |
| PEGGY K SALMON3 Filed as: PEGGY K. SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $172 | — | $172 | 0.53% |
| AURELIO VELA3 | 1561 E ORANGETHORPE AVE STE 200 FULLERTON, CA 92831 | AFLAC | $164 | — | $164 | 0.51% |
| ANDREW R GRETHEL3 Filed as: ANDREW R. GRETHEL | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $99 | — | $99 | 0.31% |
| THOMPSON & ASSOCIATES INSURANCE INC3 | 2743 S SANDPIPER AVE ONTARIO, CA 91761 | AFLAC | $76 | — | $76 | 0.23% |
| DAVID A. HOWARD3 Filed as: DAVID A HOWARD | 2230 SKYVIEW LN APT 143 COLORADO SPRINGS, CO 80904 | AFLAC | $72 | — | $72 | 0.22% |
| MIRIAM F HUNGERFORD3 | 33622 HOLTZ HILL RD DANA POINT, CA 92669 | AFLAC | $69 | — | $69 | 0.21% |
| MOLLIE D PEARSON3 | 1750 PRAIRIE CITY RD #130-252 FOLSOM, CA 95630 | AFLAC | $53 | — | $53 | 0.16% |
| AURELIO VELA3 | 7602 SORENSEN AVE WHITTIER, CA 90606 | AFLAC | $51 | — | $51 | 0.16% |
| SUWAT ASSAWAMATIYANONT3 | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $49 | — | $49 | 0.15% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $48 | — | $48 | 0.15% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT W. BLACKSHEAR | 108 ALSACE CT PONTE VEDRA BEACH, FL 32082 | AFLAC | $45 | — | $45 | 0.14% |
| TABELLO INS SERVICES INC3 Filed as: TABELLO INS SERVICES INC. | 1461 SIERRA VISTA LA HABRA, CA 90631 | AFLAC | $33 | — | $33 | 0.10% |
| CESAR A TORRES3 Filed as: CESAR A. TORRES | 26312 VALENZUELA CIRCLE MISSION VIEJO, CA 92691 | AFLAC | $31 | — | $31 | 0.10% |
| HOWARD SETH KAMLET3 | 11070 KATY FWY APT. 1468 HOUSTON, TX 77043 | AFLAC | $30 | — | $30 | 0.09% |
| AURELIO VELA3 | 11721 WHITTIER BLVD #472 WHITTIER, CA 90601 | AFLAC | $29 | — | $29 | 0.09% |
| JAMES J GRETHEL3 Filed as: JAMES J. GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $27 | — | $27 | 0.08% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $23 | — | $23 | 0.07% |
| KERSTIN J VANZANTEN3 Filed as: KERSTIN J. VANZANTEN | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $17 | — | $17 | 0.05% |
| JOY E GUNDERSON3 Filed as: JOY E. GUNDERSON | 2824 SAINT ANDREWS RD FAIRFIELD, CA 94534 | AFLAC | $17 | — | $17 | 0.05% |
| MARIA CRISTINA VALENCIA3 | 24154 SPROUT DR CORONA, CA 92883 | AFLAC | $15 | — | $15 | 0.05% |
| SETH JAFFE3 Filed as: SETH L. JAFFE | 4127 E. MASSACHUSETTS STREET LONG BEACH, CA 90814 | AFLAC | $10 | — | $10 | 0.03% |
| OWEN JOHNSTON3 | 2414 N TUSTIN AVE APT O2 SANTA ANA, CA 92705 | AFLAC | $6 | — | $6 | 0.02% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD. SAN DIEGO, CA 92116 | AFLAC | $6 | — | $6 | 0.02% |
| IOANNIS T GRATSINOPOULOS3 Filed as: IOANNIS T. GRATSINOPOULOS | 1893 E DAULBY STREET MERIDIAN, ID 83642 | AFLAC | $4 | — | $4 | 0.01% |
| AMANDA M GRIFFITH3 Filed as: AMANDA M. GRIFFITH | 11400 SE 8TH STREET #375 BELLEVUE, WA 98004 | AFLAC | $3 | — | $3 | 0.01% |
| VICTORIA K. HIRSCH-BOADA3 | 30991 VIA MIRADOR SAN JUAN CAPISTRANO, CA 92675 | AFLAC | $2 | — | $2 | 0.01% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 3928 IRONBARK WAY MCKINNEY, TX 75071 | AFLAC | $2 | — | $2 | 0.01% |
| DALE IRA DAVIS3 | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $2 | — | $2 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 | 130 THEORY STE 200 IRVINE, CA 92617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $597 | $2K | 15.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 130 THEORY STE 200 IRVINE, CA 92617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $558 | $2K | 15.27% |
| BB&T INSURANCE SERVICES, INC.3 | 130 THEORY STE 200 IRVINE, CA 92617 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | $240 | $1K | 12.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3150 SOUTH MAIN STREET HARRISONBURG, VA 22801 | WESTERN DENTAL SERVICES, INC. | $625 | — | $625 | 9.30% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 197 | $1.6M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 195 | $99K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 195 | $92K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 506 | $69K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 197 | $1.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 506 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.