| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 8.33% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 4480 WILLOW ROAD SUITE 110 PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.77% |
| BB&T INS SVCS INC3 Filed as: BB&T INS SERVICES OF CA | 5446 THORNWOOD DR #200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.51% |
| KATHLEEN LEININGER INS SERVICES INC3 | 8880 BENSON AVENUE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $2K | $97 | $2K | 5.03% |
| TIFFANY ANNE KING3 | 1010 LAKE ST, STE 430 OAK PARK, IL 60301 | AFLAC | $920 | — | $920 | 2.69% |
| JOHN C WILLY3 | 4850 SAN JOSE STREET APT. 160 MONTCLAIR, CA 91763 | AFLAC | $447 | $29 | $476 | 1.39% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $376 | $8 | $384 | 1.12% |
| KEN MAJOR3 Filed as: KEN L MAJOR | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $79 | $13 | $92 | 0.27% |
| DIANA HOMA3 | 8880 BENSON AVE STE 106 MONTCLAIR, CA 91763 | AFLAC | $75 | — | $75 | 0.22% |
| GUINETH ANN REED3 | 2935 KILAINE DR SIMI VALLEY, CA 93063 | AFLAC | $50 | — | $50 | 0.15% |
| SUSANA MERALY CALDERON3 | 2105 FOOTHILL BLVD #B216 LA VERNE, CA 91750 | AFLAC | $48 | — | $48 | 0.14% |
| REGINA MARES3 | 16250 HOMECOMING DR UNITE 1302 CHINO, CA 91708 | AFLAC | $47 | — | $47 | 0.14% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK DR COLUMBUS, GA 31999 | AFLAC | $45 | — | $45 | 0.13% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $28 | — | $28 | 0.08% |
| GUINETH ANN REED3 | 3350 SHELBY ST STE 200 ONTARIO, CA 91764 | AFLAC | $17 | — | $17 | 0.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $451 | — | $451 | 2.56% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $710K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $710K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 360 | $710K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $18K |
| Other(3 contracts, 3 carriers) | AFLAC | 153 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.