| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVENUE GREENSBORO, NC 27410 | AETNA HEALTH, INC. | $29K | — | $29K | 5.17% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W. FRIENDLY AVENUE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $2K | $9K | 11.21% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $205 | — | $205 | 2.01% |
| J&J KRENKLER INSURANCE SERVICES INC3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $135 | $35 | $170 | 1.67% |
| SUSAN C. HAMA3 Filed as: SUSAN C HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $132 | $11 | $143 | 1.40% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIR SAN DIEGO, CA 92130 | AFLAC | $86 | $9 | $95 | 0.93% |
| CHRISTOPHER L KENNEDY3 | 24328 N 74TH PL SCOTTSDALE, AZ 85255 | AFLAC | $85 | $0 | $85 | 0.83% |
| RMANN GROUP INC3 | 18876 W 93RD AVE ARVADA, CO 80007 | AFLAC | $84 | — | $84 | 0.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 130 THEORY STE 200 IRVINE, CA 92617 | AFLAC | $80 | — | $80 | 0.79% |
| CLAUDIA S. CHAMORRO3 Filed as: CLAUDIA S CHAMORRO | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $79 | — | $79 | 0.78% |
| AMY M REYES3 | 1881 E POINTE AVE CARLSBAD, CA 92008 | AFLAC | $69 | — | $69 | 0.68% |
| JAMIE R WALLACE3 | 1 WILDGOOSE LN SAVANNAH, GA 31411 | AFLAC | $46 | $11 | $57 | 0.56% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE OF CA INC | 4480 WILLOW RD PLEASANTON, CA 94588 | AFLAC | $54 | — | $54 | 0.53% |
| NATHAN H FRAZIER3 | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $49 | — | $49 | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 130 THEORY STE 200 IRVINE, CA 92617 | AFLAC | $44 | — | $44 | 0.43% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $30 | — | $30 | 0.29% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $23 | — | $23 | 0.23% |
| MICHAEL EDWARD REISNER3 | PO BOX 1833 SAN MARCOS, CA 92079 | AFLAC | $21 | — | $21 | 0.21% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC | 2400 E KATELLA AVE STE 1100 ANAHEIM, CA 92806 | AFLAC | $16 | — | $16 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | AFLAC | $15 | — | $15 | 0.15% |
| DAVID A APFFEL3 | 107 HIDDEN OAK DR MARS, PA 16046 | AFLAC | $12 | — | $12 | 0.12% |
| JACQUELINE D CADIC3 | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $11 | — | $11 | 0.11% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS SOLUTION LLC | 22501 PARKFIELD MISSION VIEJO, CA 92692 | AFLAC | $9 | — | $9 | 0.09% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $6 | — | $6 | 0.06% |
| NICHOLAS BRICE MARCUM3 | 9019 JOSHUA LN YUCCA VALLEY, CA 92284 | AFLAC | $5 | — | $5 | 0.05% |
| KEVIN WAYNE FRAZIER3 | 8437 TUTTLE AVE PMB 256 SARASOTA, FL 34243 | AFLAC | $5 | — | $5 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $3 | — | $3 | 0.03% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $3 | — | $3 | 0.03% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $3 | — | $3 | 0.03% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $2 | — | $2 | 0.02% |
| PAULA E AINSWORTH3 | 9440 STRATTON DR APT 6220 FRISCO, TX 75035 | AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | MEDIEXCEL HEALTH PLAN | $432 | — | $432 | 4.28% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $634 | — | $634 | 10.01% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $176 | — | $176 | 3.95% |
| NATHAN H FRAZIER3 | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $95 | — | $95 | 2.13% |
| J&J KRENKLER INSURANCE SERVICES INC3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $80 | $11 | $91 | 2.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE OF CA INC | 4480 WILLOW RD PLEASANTON, CA 94588 | AFLAC | $57 | — | $57 | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | AFLAC | $39 | — | $39 | 0.88% |
| RMANN GROUP INC3 | 18876 W 93RD AVE ARVADA, CO 80007 | AFLAC | $35 | — | $35 | 0.79% |
| SUSAN C. HAMA3 Filed as: SUSAN C HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $31 | $2 | $33 | 0.74% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $33 | — | $33 | 0.74% |
| HUMBERTO CONTRERAS3 | PO BOX 2936 ESCONDIDO, CA 92033 | AFLAC | $31 | — | $31 | 0.70% |
| DAVID A APFFEL3 | 107 HIDDEN OAK DR MARS, PA 16046 | AFLAC | $27 | — | $27 | 0.61% |
| JAMIE R WALLACE3 | 1 WILDGOOSE LN SAVANNAH, GA 31411 | AFLAC | $20 | $2 | $22 | 0.49% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $20 | — | $20 | 0.45% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.09% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $4 | — | $4 | 0.09% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $3 | — | $3 | 0.07% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $416 | — | $416 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $397 | — | $397 | 9.99% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 88 | $664K |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $84K |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $84K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $8K |
| Short-term disability(2 contracts) | AFLAC | 13 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $6K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 88 | $94K |
| Other(4 contracts, 2 carriers) | AFLAC | 86 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.