| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $62K | — | $62K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| KATHLEEN LEININGER INS SERVICES INC3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $3K | $136 | $3K | 6.74% |
| JOHN C WILLY3 | 4850 SAN JOSE STREET APT. 160 MONTCLAIR, CA 91763 | AFLAC | $1K | $58 | $1K | 3.03% |
| TIFFANY ANNE KING3 | 1010 LAKE ST, STE 430 OAK PARK, IL 60301 | AFLAC | $1K | — | $1K | 2.65% |
| DOUGLAS J SUCHECKI3 | 3850 VINE STREET SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $649 | $53 | $702 | 1.77% |
| DOLORES MARIA VARGAS VILLEGAS3 | 1510 E SHAMWOOD ST WEST COVINA, CA 91791 | AFLAC | $343 | $46 | $389 | 0.98% |
| MORETON & COMPANY3 Filed as: BRADLEY THOMAS MORTON | 1938 TRINIDAD CIRCLE CLAREMONT, CA 91711 | AFLAC | $47 | $56 | $103 | 0.26% |
| KEN MAJOR3 Filed as: KEN L MAJOR | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $98 | — | $98 | 0.25% |
| ROSE ANNE BEACHAM3 | 13459 HAMMER AVE CHINO, CA 91710 | AFLAC | $63 | $21 | $84 | 0.21% |
| DIANA HOMA3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $75 | — | $75 | 0.19% |
| GUINETH ANN REED3 | 3350 SHELBY STREET SUITE 200 ONTARIO, CA 91764 | AFLAC | $67 | — | $67 | 0.17% |
| REGINA MARES3 | 16250 HOMECOMING DRIVE #1302 CHINO, CA 91708 | AFLAC | $53 | — | $53 | 0.13% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $28 | — | $28 | 0.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P. O. BOX 129077 SAN DIEGO, CA 921129077 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.89% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST, STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $806 | $2K | 16.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST, STE 2400 SAN DIEGO, CA 921012476 | UNITED OF OMAHA LIFE INSURANCE | $632 | $347 | $979 | 15.48% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $1.2M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 218 | $76K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $20K |
| Other(3 contracts, 3 carriers) | AFLAC | 138 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.