| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID D AINGE3 Filed as: DAVID D. AINGE | 16869 SW 65TH AVENUE 210 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $277K | $0 | $277K | 15.43% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $27K | $70K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 2.12% |
| DOUGLAS J SUCHECKI3 | 3850 VINE ST SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $29K | $1K | $30K | 3.13% |
| JEFFREY T JOHNSON3 | 15590 SYRACUSE LN FONTANA, CA 92336 | AFLAC | $26K | $2K | $28K | 2.96% |
| JAMES M PITZ3 Filed as: JAMES R LANDINGHAM | 28750 LEXINGTON RD TEMECULA, CA 92591 | AFLAC | $20K | $2K | $22K | 2.29% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 3850 VINE ST SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $13K | $1K | $14K | 1.47% |
| VALERIE LOGAN3 | 11093 RAYMOND RD MORENO VALLEY, CA 92555 | AFLAC | $13K | $394 | $14K | 1.42% |
| DANIEL MARTIN BREDESON3 | 641 HIGUERA ST SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $10K | — | $10K | 1.03% |
| JOSE M ROMERO3 | 9398 STONE CANYON RD CORONA, CA 92883 | AFLAC | $8K | — | $8K | 0.87% |
| JOHN C WILLY3 Filed as: JOHN WILLY | 4850 SAN JOSE ST APT 160 MONTCLAIR, CA 91763 | AFLAC | $7K | $43 | $7K | 0.76% |
| MARK D GOLDEN3 | 10370 HEMET ST. SUITE 210 RIVERSIDE, CA 92503 | AFLAC | $5K | — | $5K | 0.54% |
| RONALD I MARTINDALE3 | 1242 N SAN DIMAS CANYON RD. SAN DIMAS, CA 91773 | AFLAC | $4K | $319 | $5K | 0.48% |
| JOHN C MILNER3 | 2445 OAK AVE CORONA, CA 92882 | AFLAC | $4K | — | $4K | 0.46% |
| JULIUS ROBERT BOTELHO3 | PO BOX 7814 REDLANDS, CA 92375 | AFLAC | $4K | — | $4K | 0.43% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $3K | $965 | $4K | 0.39% |
| TIFFANY ANNE KING3 | 9034 E EASTER PL SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $3K | $417 | $3K | 0.33% |
| KATHLEEN LEININGER INS SERVICES INC3 | 8880 BENSON AVE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $2K | — | $2K | 0.22% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST. SUITE 2300 COLUMBIA, SC 29201 | AFLAC | $2K | — | $2K | 0.16% |
| TERRANCE M LUCZAJ3 | 255 E. RINCON ST. SUITE 110 CORONA, CA 92879 | AFLAC | $1K | $6 | $2K | 0.16% |
| THE HORTON GROUP3 Filed as: VERNA M HORTON | 1980 OAKLAND HILLS DR CORONA, CA 92882 | AFLAC | $979 | — | $979 | 0.10% |
| ACQUANETTA D GOSLEE3 | 53 CORTE MADERA LAKE ELSINORE, CA 92532 | AFLAC | $961 | — | $961 | 0.10% |
| MARVIN L FORTMAN3 | 1044 GREENWAY CT ALTOONA, IA 50009 | AFLAC | $955 | — | $955 | 0.10% |
| DARLENE L RYLAND3 | 2951 VIA MILANO UNIT 108 CORONA, CA 92879 | AFLAC | $896 | — | $896 | 0.09% |
| CYNTHIA LEE MACK MILLER3 | 3015 SHADID DR COLTON, CA 92324 | AFLAC | $511 | — | $511 | 0.05% |
| MARY NANTKER3 | 164 E 6TH ST NATALIA, TX 78059 | AFLAC | $281 | — | $281 | 0.03% |
| GEORGE HUDSON3 | 58335 ARCADIA TRL YUCCA VALLEY, CA 92284 | AFLAC | $271 | — | $271 | 0.03% |
| HEATHER A. GRAHAM3 Filed as: HEATHER A GRAHAM | 49465 PARK AVE. MORONGO VALLEY, CA 92256 | AFLAC | $265 | — | $265 | 0.03% |
| MATHEW PAULUS3 Filed as: MATHEW D PAULUS | 100 TENNESSEE ST APT 1 REDLANDS, CA 92373 | AFLAC | $259 | — | $259 | 0.03% |
| JENNIFER L JOHNSON3 | 1336 STONEGATE LN SAN BERNARDINO, CA 92407 | AFLAC | $235 | — | $235 | 0.02% |
| CYNTHIA B GOLDEN3 | 27500 BOTTLE BRUSH WAY MURRIETA, CA 92562 | AFLAC | $196 | — | $196 | 0.02% |
| NANCY L BOTELHO3 Filed as: NANCY BOTELHO | PO BOX 7814 REDLANDS, CA 92375 | AFLAC | $171 | — | $171 | 0.02% |
| KRISTEN NICOLE GLENN3 | 1604 VIA TULIPAN SAN CLEMENTE, CA 92673 | AFLAC | $152 | — | $152 | 0.02% |
| GREG KUSTER3 | 26187 WINDEMERE WAY MORENO VALLEY, CA 92555 | AFLAC | $124 | — | $124 | 0.01% |
| RICHARD M GITMED3 | 80113 MARAMAR DR INDIO, CA 92203 | AFLAC | $85 | — | $85 | 0.01% |
| NORMA ALICIA MIRANDA3 | 30955 AVENIDA LOS NINOS CATHEDRAL CITY, CA 92234 | AFLAC | $83 | — | $83 | 0.01% |
| DAVE COOPER3 | 2010 SWANSON AVE APT 17 LAKE HAVASU CITY, AZ 86403 | AFLAC | $81 | — | $81 | 0.01% |
| CHRISTOHPER S DISBROW3 | 10981 LOYOLA CT RANCHO CUCAMONGA, CA 91701 | AFLAC | $68 | — | $68 | 0.01% |
| JOESPH H FERRELL3 | 709 WEST FERN AVE. REDLANDS, CA 92373 | AFLAC | $59 | — | $59 | 0.01% |
| CONI S STOKELY3 Filed as: CONI STOKELY | PO BOX 196 BRAWLEY, CA 92227 | AFLAC | $58 | — | $58 | 0.01% |
| JOSE BECERRA3 | 205 W CARLTON ST ONTARIO, CA 91762 | AFLAC | $58 | — | $58 | 0.01% |
| SIRANOUSH SARA MKRTCHIAN3 | 2001 E FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $50 | — | $50 | 0.01% |
| SANDRA PEREZ MORALES3 | 959 J ST. BRAWLEY, CA 92227 | AFLAC | $46 | — | $46 | 0.00% |
| PEGGY K SALMON3 | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $38 | — | $38 | 0.00% |
| AXEL DUBON3 | 2877 WOODSORREL DR CHINO HILLS, CA 91709 | AFLAC | $30 | — | $30 | 0.00% |
| CYNTHIA JAYNE GOODNICK3 | 8880 BENSON AVE SUITE 106 MONTCLAIR, CA 91763 | AFLAC | $29 | — | $29 | 0.00% |
| MARIAN E LENCIONI3 Filed as: MARIAN LENCIONI | 10390 COMMERCE CENTER DR SUITE 280 RANCHO CUCAMONGA, CA 91730 | AFLAC | $27 | — | $27 | 0.00% |
| DAVIS & GRAEBER INS SERV INC3 Filed as: DAVIS & GRAEBER INS SVC INC | 470 E HIGHLAND REDLANDS, CA 92373 | AFLAC | $24 | — | $24 | 0.00% |
| SHAWN M GLENN3 | 1604 VIA TULIPAN SAN CLEMENTE, CA 92673 | AFLAC | $23 | — | $23 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $22 | — | $22 | 0.00% |
| RONALD B SALMON3 Filed as: RONALD B. SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $19 | — | $19 | 0.00% |
| MARIA H SANCHEZ3 | 14471 CEDAR ST HESPERIA, CA 92344 | AFLAC | $15 | — | $15 | 0.00% |
| ERNESTO GONZALEZ3 Filed as: ERNESTO GONZALEZ INS SERVICES CORP | 310 JAMES WAY SUITE 150 PISMO BEACH, CA 93449 | AFLAC | $15 | — | $15 | 0.00% |
| CA INS MARKETING SERVICE3 Filed as: CA INS MARKETING SERVICES | 685 E CARNEGIE DR SUTIE 265 SAN BERNARDINO, CA 92408 | AFLAC | $11 | — | $11 | 0.00% |
| GARY W WARE JR3 | 2306 VALLEYBROOK DR. CHAMPAIGN, IL 61822 | AFLAC | $10 | — | $10 | 0.00% |
| DAVID J REESOR3 | 2001 E FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $9 | — | $9 | 0.00% |
| JILL A FREEHLING3 Filed as: JILL A FREEHING | 1123 VIA BARCELONA ST. REDLANDS, CA 92374 | AFLAC | $7 | — | $7 | 0.00% |
| GUINETH ANN REED3 | 3350 SHELBY ST. 200 ONTARIO, CA 91764 | AFLAC | $7 | — | $7 | 0.00% |
| KAREN M HUGHES3 | 3120 NE 47TH ST. FORT LAUDERDALE, FL 33308 | AFLAC | $5 | — | $5 | 0.00% |
| SCOTT W BLACKSHEAR3 | 3453 CATHRYN DR COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID D AINGE3 Filed as: DAVID D. AINGE | 16869 SW 65TH AVENUE 210 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $0 | $74K | 15.46% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $7K | $19K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 2.05% |
| DAVID D AINGE3 Filed as: DAVID D. AINGE | 16869 SW 65TH AVENUE 210 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $65K | — | $65K | 15.42% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $6K | $17K | 3.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.12% |
| MARVIN HENRY SPENCER3 | 936 GLENEAGLES RD BEAUMONT, CA 922238524 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 7.59% |
| DAVID D AINGE3 Filed as: DAVID D. AINGE | 16869 SW 65TH AVENUE 210 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 15.48% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.13% |
| DAVID D AINGE3 Filed as: DAVID D. AINGE | 16869 SW 65TH AVE 210 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $805 | — | $805 | 15.62% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | $134 | $270 | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 CROASDAILE DRIVE 206 DURHAM, NC 27705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $101 | — | $101 | 1.96% |
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 | 1,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | AFLAC | 3,714 | $1.9M |
| Short-term disability | AFLAC | 1,260 | $955K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 734 | $1.8M |
| Other(5 contracts, 2 carriers) | AFLAC | 1,260 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,714 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.