| 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 | $67K | — | $67K | 5.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC | 5446 THORNWOOD DR STE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.33% |
| KATHLEEN LEININGER INS SERVICES INC3 | 13655 NIMES CT CHINO HILLS, CA 91709 | AFLAC | $959 | — | $959 | 3.58% |
| TIFFANY ANNE KING3 | 1010 LAKE ST, STE 430 OAK PARK, IL 60301 | AFLAC | $628 | — | $628 | 2.35% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $305 | — | $305 | 1.14% |
| JOHN C WILLY3 | 4850 SAN JOSE STREET APT. 160 MONTCLAIR, CA 91763 | AFLAC | $300 | — | $300 | 1.12% |
| DIANA HOMA3 | PO BOX 5832 STE 106 GARDEN GROVE, CA 92846 | AFLAC | $75 | — | $75 | 0.28% |
| GUINETH ANN REED3 | 2935 KILAINE DR SIMI VALLEY, CA 93063 | AFLAC | $67 | — | $67 | 0.25% |
| KEN MAJOR3 Filed as: KEN L MAJOR | 2211 MICHELSON DR STE 1150 IRVINE, CA 92612 | AFLAC | $32 | — | $32 | 0.12% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $28 | — | $28 | 0.10% |
| REGINA MARES3 | 16250 HOMECOMING DR UNIT 1302 CHINO, CA 91708 | AFLAC | $15 | — | $15 | 0.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 4480 WILLOW ROAD PLEASANTON, CA 945888519 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 4.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3111 CAMINO DEL RIO NORTH SUITE 1100 SAN DIEGO, CA 92108 | HOLMAN FAMILY COUNSELING, INC. | $92 | — | $92 | 4.99% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $21K |
| Other(3 contracts, 3 carriers) | AFLAC | 133 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.