| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC2 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 16.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | MEDIEXCEL HEALTH PLAN | $7K | — | $7K | 4.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $8K | $597 | $8K | 18.79% |
| SUNRISE BENEFITS AND INS SERV INC3 Filed as: SUNRISE BENEFITS AND INSURANCE SERV | 5432 ADOBE FALLS RD #10 SAN DIEGO, CA 92120 | TRANSAMERICA LIFE INSURANCE COMPANY | $178 | — | $178 | 2.26% |
| ENHANCED BENEFITS3 Filed as: ENHANCED BENEFITS INS SOLUTIONS INC | 8220 UNIVERSITY AVE STE 202 LA MESA, CA 91942 | TRANSAMERICA LIFE INSURANCE COMPANY | $137 | — | $137 | 1.74% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | TRANSAMERICA LIFE INSURANCE COMPANY | $117 | — | $117 | 1.49% |
| WHITNEY L MILLWOOD3 | 14727 SILVER GLEN DR E JACKSONVILLE, FL 32258 | TRANSAMERICA LIFE INSURANCE COMPANY | $27 | — | $27 | 0.34% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 2121 NEW MARKET PKWY SE STE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.17% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $209 | — | $209 | 14.06% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $86 | — | $86 | 11.05% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $90 | — | $90 | 12.02% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, GA 92101 | AFLAC | $17 | — | $17 | 4.00% |
| SUNRISE BENEFITS AND INS SERV INC3 | 5432 ADOBE FALLS RD UNIT 10 SAN DIEGO, CA 92120 | AFLAC | $14 | — | $14 | 3.29% |
| MICHELLE R HAMES3 | 13217 AURORA DR SPC 28 EL CAJON, CA 92021 | AFLAC | $10 | — | $10 | 2.35% |
| JD HOLDER ENTERPRISES INC3 | 8220 UNIVERSITY AVE STE 200 LA MESA, CA 91942 | AFLAC | $9 | — | $9 | 2.12% |
| LORENA E ROSALES3 | 4625 POLARIS AVE STE 212 LAS VEGAS, CA 89103 | AFLAC | $2 | — | $2 | 0.47% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 220 | $489K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 411 | $53K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 220 | $489K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 411 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.