| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E LEE & ASSOCIATES INC.3 | 16835 W BERNARDO DR,# 212 SAN DIEGO, CA 92127 | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | $244K | — | $244K | 5.13% |
| E LEE & ASSOCIATES INC.3 Filed as: E LEE & ASSOCIATES INC | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $55K | — | $55K | 10.03% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | — | SIMNSA | $14K | — | $14K | 7.00% |
| E LEE & ASSOCIATES INC.3 Filed as: ED LEE | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| E LEE & ASSOCIATES INC.3 Filed as: E. LEE & ASSOCIATES | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | VISION SERVICE PLAN | $3K | — | $3K | 2.57% |
| E LEE & ASSOCIATES INC.3 Filed as: ED LEE | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| JENNIFER K BAKER3 | 4162 ROCHESTER RD SAN DEIGO, CA 92116 | AFLAC | $747 | — | $747 | 2.18% |
| BOK FINANCIAL INSURANCE3 Filed as: EDWARD BOK LEE | 16835 W BERNARDO DR #212 SAN DEIGO, CA 92127 | AFLAC | $562 | — | $562 | 1.64% |
| LAUREN SMITH INSURANCE SERVICES INC3 | 4428 ARIZONA STREET 7 SAN DEIGO, CA 92116 | AFLAC | $519 | — | $519 | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $476 | — | $476 | 1.39% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $184 | — | $184 | 0.54% |
| KRYSTAL FIELDS INC3 | 50 HARVARD RD PORTSMOUTH, VA 23701 | AFLAC | $165 | — | $165 | 0.48% |
| PCS INSURANCE SERVICES INC3 | 2553 27TH STREET APT A SACRAMENTO, CA 95818 | AFLAC | $121 | — | $121 | 0.35% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $113 | — | $113 | 0.33% |
| CARROLE ANNE COURLANG3 | 9767 CAMINITO DEL MARFIL SAN DEIGO, CA 92124 | AFLAC | $97 | — | $97 | 0.28% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $95 | — | $95 | 0.28% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $56 | — | $56 | 0.16% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DEIGO, CA 92129 | AFLAC | $55 | — | $55 | 0.16% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHEY CANYON RD STE 150 SAN DEIGO, CA 92123 | AFLAC | $48 | — | $48 | 0.14% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $47 | — | $47 | 0.14% |
| KEVIN J SNIDER3 | 5333 BALTIMORE DR APT 130 LA MESA, CA 91942 | AFLAC | $43 | — | $43 | 0.13% |
| SHANNON L DALTON BALLARD3 | 236 GRANT ST REDLANDS, CA 92373 | AFLAC | $33 | — | $33 | 0.10% |
| JOAN FIALKOWSKI3 | 2100 MEDITERRANEAN AVE 28 VIRGINIA BEACH, VA 23451 | AFLAC | $32 | — | $32 | 0.09% |
| MANDY L. LOUGHLIN3 Filed as: MANDY L LOUGHLIN | 2355 MARSHALL WAY ALPINE, CA 91901 | AFLAC | $30 | — | $30 | 0.09% |
| RYAN M GOO3 | 1132 BISHOP ST. STE #2101 HONOLULU, HI 96813 | AFLAC | $26 | — | $26 | 0.08% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $21 | — | $21 | 0.06% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $20 | — | $20 | 0.06% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP ST. SUITE 2101 HONOLULU, HI 96813 | AFLAC | $14 | — | $14 | 0.04% |
| BRUCE B BETZ II3 | 17510 HADA DR SAN DEIGO, CA 92127 | AFLAC | $12 | — | $12 | 0.03% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $9 | — | $9 | 0.03% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD STE 150 SAN DEIGO, CA 92123 | AFLAC | $9 | — | $9 | 0.03% |
| BRADFORD KLAVAN3 | 502 TALBOT HALL RD NORFOLK, VA 23505 | AFLAC | $8 | — | $8 | 0.02% |
| CHARLES F GLANVILLE3 | 12210 WATERVIEW TRAIL CARROLLTON, VA 23314 | AFLAC | $8 | — | $8 | 0.02% |
| GALEN MIZUGUCHI3 | 101 AUPUNI STREET SUITE 1001 A HILO, HI 96720 | AFLAC | $6 | — | $6 | 0.02% |
| ROCHELLE R MAURER3 | 43535 17TH ST W SUITE 501 LANCASTER, CA 93534 | AFLAC | $6 | — | $6 | 0.02% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $5 | — | $5 | 0.01% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $4 | — | $4 | 0.01% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $3 | — | $3 | 0.01% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORTWORTH, TX 76244 | AFLAC | $3 | — | $3 | 0.01% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $1 | — | $1 | 0.00% |
| RODGER BISHOP3 Filed as: RODGER CRAIG BISHOP | 203 E E ST TEHACHAPI, CA 93561 | AFLAC | $1 | — | $1 | 0.00% |
| BOK FINANCIAL INSURANCE3 Filed as: EDWARD BOK LEE | 16835 W BERNARDO DR #212 SAN DIEGO, CA 92127 | AFLAC | $416 | — | $416 | 1.86% |
| LAUREN SMITH INSURANCE SERVICES INC3 | 4428 ARIZONA STREET 7 SAN DIEGO, CA 92116 | AFLAC | $265 | — | $265 | 1.19% |
| JENNIFER K BAKER3 | 4162 ROCHESTER RD SAN DIEGO, CA 92116 | AFLAC | $212 | — | $212 | 0.95% |
| KRYSTAL FIELDS INC3 | 50 HARVARD RD PORTSMOUTH, VA 23701 | AFLAC | $189 | — | $189 | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $167 | — | $167 | 0.75% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $164 | — | $164 | 0.73% |
| JOAN FIALKOWSKI3 | 2100 MEDITERRANEAN AVE 28 VIRGINIA BEACH, VA 23451 | AFLAC | $146 | — | $146 | 0.65% |
| BRADFORD KLAVAN3 | 502 TALBOT HALL RD NORFOLK, VA 23505 | AFLAC | $114 | — | $114 | 0.51% |
| CHARLES F GLANVILLE3 | 12210 WATERVIEW TRAIL CARROLLTON, VA 23314 | AFLAC | $106 | — | $106 | 0.47% |
| PCS INSURANCE SERVICES INC3 | 2553 27TH STREET APT A SACRAMENTO, CA 95818 | AFLAC | $97 | — | $97 | 0.43% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $83 | — | $83 | 0.37% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $81 | — | $81 | 0.36% |
| CAROLE ANNE COURLANG3 | 9767 CAMINITO DEL MARFIL SAN DEIEGO, CA 92124 | AFLAC | $63 | — | $63 | 0.28% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $62 | — | $62 | 0.28% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $58 | — | $58 | 0.26% |
| RYAN M GOO3 | 1132 BISHOP ST. STE #2101 HONOLULU, HI 96813 | AFLAC | $52 | — | $52 | 0.23% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DEIEGO, CA 92129 | AFLAC | $51 | — | $51 | 0.23% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $28 | — | $28 | 0.13% |
| PIONEER PACIFIC FINANCIAL3 Filed as: PIONEER PACIFIC FINANACIAL | 1132 BISHOP ST. SUITE 2101 HONOLULU, HI 96813 | AFLAC | $28 | — | $28 | 0.13% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $26 | — | $26 | 0.12% |
| GALEN MIZUGUCHI3 | 101 AUPUNI STREET SUITE 1001 A HILO, HI 96720 | AFLAC | $14 | — | $14 | 0.06% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $9 | — | $9 | 0.04% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $8 | — | $8 | 0.04% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $8 | — | $8 | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA DBA AHERN/ | ELT EMPLOYEE BENEFITS,LLC-SAN DIEGO 16835 W BERNARDINO DR STE 212 SAN DIEGO, CA 92127 | VSP | $1K | — | $1K | 9.61% |
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 | 858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 637 | $4.9M |
| Dental(2 contracts, 2 carriers) | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 637 | $5.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 411 | $114K |
| Life insurance | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 637 | $4.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 673 | $153K |
| Other(4 contracts, 3 carriers) | SIMNSA | 648 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.