| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA HEALTH, INC. | $30K | — | $30K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | AETNA HEALTH, INC. | $10K | — | $10K | 1.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $765 | $7K | 10.37% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $565 | — | $565 | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AFLAC | $1K | — | $1K | 9.02% |
| J&J KRENKLER INSURANCE SERVICES INC3 Filed as: J&J KRENKLER INSURANCE SERVICES | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $666 | $8 | $674 | 6.03% |
| SUSAN C. HAMA3 Filed as: SUSAN HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $287 | $8 | $295 | 2.64% |
| SARAH GAYDEN3 | 1106 2ND ST 155 ENCINITAS, CA 92024 | AFLAC | $252 | $17 | $269 | 2.41% |
| HEATHER SEAU3 | 1466 MORENO ST OCEANSIDE, CA 92054 | AFLAC | $252 | — | $252 | 2.25% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $201 | — | $201 | 1.80% |
| RMANN GROUP INC3 | 18876 W 93RD AVE ARVADA, CO 80007 | AFLAC | $50 | — | $50 | 0.45% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER KENNEDY | 2532 CHAMOMILE LN CARLSBAD, CA 92008 | AFLAC | $32 | — | $32 | 0.29% |
| ROBERT C WAITE3 Filed as: ROBERT WAITE | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $31 | — | $31 | 0.28% |
| AMY REYES3 | 10707 HENESCO BAY ST LAS VEGAS, NV 89179 | AFLAC | $28 | — | $28 | 0.25% |
| SYBIL MEISTER3 | 39719 RANCHWOOD DR MURRIETA, CA 92563 | AFLAC | $9 | $17 | $26 | 0.23% |
| JUSTIN ROBERT JOHNSON3 Filed as: JUSTIN JOHNSON | 3525 DEL MAR HEIGHTS RD #932 SAN DIEGO, CA 92130 | AFLAC | $23 | — | $23 | 0.21% |
| MICHAEL EDWARD REISNER3 Filed as: MICHAEL REISNER | PO BOX 1833 SAN MARCOS, CA 92079 | AFLAC | $23 | — | $23 | 0.21% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $19 | — | $19 | 0.17% |
| JAMIE R WALLACE3 Filed as: JAMIE WALLACE | 1 WILDGOOSE LN SAVANNAH, GA 31411 | AFLAC | $12 | — | $12 | 0.11% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE CADIC | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $12 | — | $12 | 0.11% |
| CLAUDIA S. CHAMORRO3 Filed as: CLAUDIA CHAMORRO | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $10 | — | $10 | 0.09% |
| KEVIN WAYNE FRAZIER3 Filed as: KEVIN FRAZIER | 8437 TUTTLE AVE PMB 256 SARASOTA, FL 34243 | AFLAC | $9 | — | $9 | 0.08% |
| JUSTIN C LAMB3 Filed as: JUSTIN LAMB | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $8 | — | $8 | 0.07% |
| NATHAN H FRAZIER3 Filed as: NATHAN FRAZIER | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $4 | — | $4 | 0.04% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.03% |
| KERSTIN J VANZANTEN3 Filed as: KERSTIN VANZANTEN | 40152 STOWE RD TEMECULA, CA 92591 | AFLAC | $3 | — | $3 | 0.03% |
| DAVID A APFFEL3 Filed as: DAVID APFFEL | 107 HIDDEN OAK DR MARS, PA 16046 | AFLAC | $2 | — | $2 | 0.02% |
| COLLEEN LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $1 | — | $1 | 0.01% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 0.01% |
| NICHOLAS BRICE MARCUM3 Filed as: NICHOLAS MARCUM | 9019 JOSHUA LN YUCCA VALLEY, CA 92284 | AFLAC | $1 | — | $1 | 0.01% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $476 | — | $476 | 6.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $242 | — | $242 | 3.37% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $432 | — | $432 | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230 | — | $230 | 3.48% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $143 | — | $143 | 4.49% |
| NATHAN H FRAZIER3 Filed as: NATHAN FRAZIER | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $63 | — | $63 | 1.98% |
| HUMBERTO CONTRERAS3 | PO BOX 2936 ESCONDIDO, CA 92033 | AFLAC | $31 | — | $31 | 0.97% |
| DAVID A APFFEL3 Filed as: DAVID APFFEL | 107 HIDDEN OAK DR MARS, PA 16046 | AFLAC | $28 | — | $28 | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | AFLAC | $19 | — | $19 | 0.60% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AFLAC | $19 | — | $19 | 0.60% |
| RMANN GROUP INC3 | 18876 W 93RD AVE ARVADA, CO 80007 | AFLAC | $17 | — | $17 | 0.53% |
| ROBERT C WAITE3 Filed as: ROBERT WAITE | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $16 | — | $16 | 0.50% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $12 | — | $12 | 0.38% |
| ELVIRA GUERRA MATA3 Filed as: ELVIRA MATA | 1621 RUSH AVE VISTA, CA 92084 | AFLAC | $7 | $5 | $12 | 0.38% |
| HEATHER SEAU3 | 1466 MORENO ST OCEANSIDE, CA 92054 | AFLAC | $7 | $5 | $12 | 0.38% |
| J&J KRENKLER INSURANCE SERVICES INC3 Filed as: J&J KRENKLER INSURANCE SERVICES | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $8 | $2 | $10 | 0.31% |
| SUSAN C. HAMA3 Filed as: SUSAN HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $6 | $2 | $8 | 0.25% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $3 | — | $3 | 0.09% |
| JAMES J GRETHEL3 Filed as: JAMES GRETHEL | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $2 | — | $2 | 0.06% |
| KERSTIN J VANZANTEN3 Filed as: KERSTIN VANZANTEN | 40152 STOWE RD TEMECULA, CA 92591 | AFLAC | $2 | — | $2 | 0.06% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 81 | $912K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $64K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $64K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $14K |
| Short-term disability(2 contracts) | AFLAC | 17 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $16K |
| Other(4 contracts, 2 carriers) | AFLAC | 141 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.