| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE ANN ARTHUR BEACOCK3 | 22501 PARKFIELD MISSION VIEJO, CA 92692 | AETNA HEALTH OF CALIFORNIA, INC. | $40K | — | $40K | 4.99% |
| JULIE ANN ARTHUR BEACOCK3 | 22501 PARKFIELD MISSION VIEJO, CA 92692 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 8.82% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $408 | — | $408 | 2.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE OF CA INC | 2400 E KATELLA AVE STE 1100 ANAHEIM, CA 92806 | AFLAC | $355 | — | $355 | 2.37% |
| CLAUDIA S. CHAMORRO3 Filed as: CLAUDIA S CHAMORRO | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $190 | $41 | $231 | 1.54% |
| SUSAN C. HAMA3 Filed as: SUSAN C HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $208 | $19 | $227 | 1.52% |
| CHRISTOPHER L KENNEDY3 | 2888 LOKER AVE E STE 210 CARLSBAD, CA 92010 | AFLAC | $166 | $19 | $185 | 1.24% |
| RMANN GROUP INC3 | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | AFLAC | $112 | — | $112 | 0.75% |
| AMY M REYES3 | 1881 E POINTE AVE CARLSBAD, CA 92008 | AFLAC | $95 | — | $95 | 0.63% |
| NATHAN H FRAZIER3 | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $87 | — | $87 | 0.58% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $52 | — | $52 | 0.35% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $41 | — | $41 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | AFLAC | $32 | — | $32 | 0.21% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIR SAN DIEGO, CA 92130 | AFLAC | $31 | — | $31 | 0.21% |
| DAVID A APFFEL3 | 244 WOODHAVEN DR COPLEY, OH 44321 | AFLAC | $29 | — | $29 | 0.19% |
| NICHOLAS BRICE MARCUM3 | 9019 JOSHUA LN YUCCA VALLEY, CA 92284 | AFLAC | $23 | — | $23 | 0.15% |
| MICHAEL EDWARD REISNER3 | PO BOX 1833 SAN MARCOS, CA 92079 | AFLAC | $23 | — | $23 | 0.15% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $17 | — | $17 | 0.11% |
| KEVIN WAYNE FRAZIER3 | 1651 E 70TH ST PMB 236 SHREVEPORT, LA 71105 | AFLAC | $17 | — | $17 | 0.11% |
| NICHOLAS BRICE MARCUM3 | 2811 CAMINITO CAPE SEBASTIAN CARDIFF, CA 92007 | AFLAC | $13 | — | $13 | 0.09% |
| JACQUELINE D CADIC3 | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $8 | — | $8 | 0.05% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIRCLE SAN DIEGO, CA 92130 | AFLAC | $7 | — | $7 | 0.05% |
| PAULA E AINSWORTH3 | 9440 STRATTON DR APT 6220 FRISCO, TX 75035 | AFLAC | $6 | — | $6 | 0.04% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $6 | — | $6 | 0.04% |
| JACQUELINE D CADIC3 Filed as: JACQUELINE D REISNER | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $4 | — | $4 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $4 | — | $4 | 0.03% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.03% |
| VANZANTEN INSURANCE SERVICES INC3 | 33530 PAUBA RD TEMECULA, CA 92592 | AFLAC | $3 | — | $3 | 0.02% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $2 | — | $2 | 0.01% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $2 | — | $2 | 0.01% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVE STE 413 LA MESA, CA 91942 | AFLAC | $1 | — | $1 | 0.01% |
| ARTHUR BEACOCK INSURANCE SERVICES3 | 22501 PAKFIELD MISSION VIEJO, CA 92692 | MEDIEXCEL HEALTH PLAN | $533 | — | $533 | 5.27% |
| JULIE A. ARTHUR BEACOCK3 | 22501 PARKFIELD MISSION VIEJO, CA 92692 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $811 | — | $811 | 10.00% |
| JULIE A. ARTHUR BEACOCK3 | 22501 PARKFIELD MISSION VIEJO, CA 92692 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $584 | — | $584 | 9.99% |
| JULIE ANN ARTHUR BEACOCK3 | 22501 PARKFIELD MISSION VIEJO, CA 92692 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $554 | — | $554 | 10.00% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $165 | — | $165 | 4.10% |
| NATHAN H FRAZIER3 | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $90 | — | $90 | 2.24% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIR SAN DIEGO, CA 92130 | AFLAC | $66 | — | $66 | 1.64% |
| SUSAN C. HAMA3 Filed as: SUSAN C HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $44 | — | $44 | 1.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | AFLAC | $37 | — | $37 | 0.92% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIRCLE SAN DIEGO, CA 92130 | AFLAC | $33 | — | $33 | 0.82% |
| NICHOLAS BRICE MARCUM3 | 2811 CAMINITO CAPE SEBASTIAN CARDIFF, CA 92007 | AFLAC | $33 | — | $33 | 0.82% |
| RMANN GROUP INC3 | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | AFLAC | $32 | — | $32 | 0.80% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $31 | — | $31 | 0.77% |
| HUMBERTO CONTRERAS3 | PO BOX 2936 ESCONDIDO, CA 92033 | AFLAC | $29 | — | $29 | 0.72% |
| DAVID A APFFEL3 | 244 WOODHAVEN DR COPLEY, OH 44321 | AFLAC | $26 | — | $26 | 0.65% |
| CHRISTOPHER L KENNEDY3 | 2888 LOKER AVE E STE 210 CARLSBAD, CA 92010 | AFLAC | $20 | — | $20 | 0.50% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $19 | — | $19 | 0.47% |
| NICHOLAS BRICE MARCUM3 | 9019 JOSHUA LN YUCCA VALLEY, CA 92284 | AFLAC | $16 | — | $16 | 0.40% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.10% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $2 | — | $2 | 0.05% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $2 | — | $2 | 0.05% |
| VANZANTEN INSURANCE SERVICES INC3 | 33530 PAUBA RD TEMECULA, CA 92592 | AFLAC | $2 | — | $2 | 0.05% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVE STE 413 LA MESA, CA 91942 | AFLAC | $1 | — | $1 | 0.02% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 131 | $904K |
| Dental | AETNA LIFE INSURANCE CO. | 131 | $97K |
| Vision | AETNA LIFE INSURANCE CO. | 131 | $97K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 133 | $30K |
| Short-term disability(2 contracts) | AFLAC | 21 | $19K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $14K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 131 | $894K |
| Other(4 contracts, 2 carriers) | AFLAC | 133 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.