| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA HEALTH, INC. | $31K | — | $31K | 4.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $13K | $930 | $14K | 7.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $239 | — | $239 | 3.03% |
| ROBIN MANN3 | 18876 W 93RD AVE ARVADA, CO 80007 | AFLAC | $83 | — | $83 | 1.05% |
| J&J KRENKLER INSURANCE SERVICES INC3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $82 | — | $82 | 1.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 130 THEORY STE 200 IRVINE, CA 92617 | AFLAC | $80 | — | $80 | 1.02% |
| SUSAN C. HAMA3 Filed as: SUSAN C HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $61 | — | $61 | 0.77% |
| CHRISTOPHER L KENNEDY3 | 4865 ROBERTSON RD APT 102 CARLSBAD, CA 92010 | AFLAC | $48 | — | $48 | 0.61% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $31 | — | $31 | 0.39% |
| AMY M REYES3 | 1881 E POINTE AVE CARLSBAD, CA 92008 | AFLAC | $28 | — | $28 | 0.36% |
| NATHAN H FRAZIER3 | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $28 | — | $28 | 0.36% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $23 | — | $23 | 0.29% |
| JUSTIN ROBERT JOHNSON3 | 814 SCENIC TERRACE PL CHULA VISTA, CA 91914 | AFLAC | $23 | — | $23 | 0.29% |
| MICHAEL EDWARD REISNER3 | PO BOX 1833 SAN MARCOS, CA 92079 | AFLAC | $23 | — | $23 | 0.29% |
| JAMIE R WALLACE3 Filed as: JAMIE R. WALLACE | 1 WILDGOOSE LN SAVANAH, GA 31411 | AFLAC | $19 | — | $19 | 0.24% |
| DAVID A APFFEL3 | 107 HIDDEN OAK DR MARS, PA 16046 | AFLAC | $13 | — | $13 | 0.17% |
| JACQUELINE D CADIC3 | PO BOX 394 SAN MARCOS, CA 92079 | AFLAC | $12 | — | $12 | 0.15% |
| CLAUDIA S. CHAMORRO3 Filed as: CLAUDIA S CHAMORRO | PO BOX 22481 SAN DIEGO, CA 92192 | AFLAC | $10 | — | $10 | 0.13% |
| KEVIN WAYNE FRAZIER3 | 8437 TUTTLE AVE PMB 256 SARASOTA, FL 34243 | AFLAC | $9 | — | $9 | 0.11% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $8 | — | $8 | 0.10% |
| KENNETH G. BARCLAY3 | 1218 VIA CANDELAS OCEANSIDE, CA 92056 | AFLAC | $5 | — | $5 | 0.06% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $4 | — | $4 | 0.05% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.04% |
| KERSTIN J VANZANTEN3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $3 | — | $3 | 0.04% |
| KRISTIN BEAN3 | 5058 HAWLEY BLVD SAN DIEGO, CA 92116 | AFLAC | $2 | — | $2 | 0.03% |
| NICHOLAS BRICE MARCUM3 | 9019 JOSHUA LN YUCCA VALLEY, CA 92284 | AFLAC | $1 | — | $1 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $691 | — | $691 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $502 | — | $502 | 10.01% |
| EVELYN FRAZIER3 | 2379 OLD RANCH RD ESCONDIDO, CA 92027 | AFLAC | $161 | — | $161 | 3.68% |
| NATHAN H FRAZIER3 | 994 PEARLEAF CT SAN MARCOS, CA 92078 | AFLAC | $86 | — | $86 | 1.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 1847 WILSON, NC 28794 | AFLAC | $61 | — | $61 | 1.39% |
| J&J KRENKLER INSURANCE SERVICES INC3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $50 | — | $50 | 1.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | AFLAC | $34 | — | $34 | 0.78% |
| ROBIN MANN3 | 18876 W 93RD AVE ARVADA, CO 80007 | AFLAC | $30 | — | $30 | 0.68% |
| ROBERT C WAITE3 | 1277 BREAKAWAY DR OCEANSIDE, CA 92057 | AFLAC | $29 | — | $29 | 0.66% |
| HUMBERTO CONTRERAS3 | PO BOX 2936 ESCONDIDO, CA 92033 | AFLAC | $29 | — | $29 | 0.66% |
| DAVID A APFFEL3 | 107 HIDDEN OAK DR MARS, PA 16046 | AFLAC | $26 | — | $26 | 0.59% |
| SUSAN C. HAMA3 Filed as: SUSAN C HAMA | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $24 | — | $24 | 0.55% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, CA 45140 | AFLAC | $18 | — | $18 | 0.41% |
| KENNETH G. BARCLAY3 Filed as: KENNETH G BARCLAY | 1218 VIA CANDELAS OCEANSIDE, CA 92056 | AFLAC | $17 | — | $17 | 0.39% |
| 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% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 120 | $838K |
| Dental | AETNA LIFE INSURANCE COMPANY | 120 | $199K |
| Vision | AETNA LIFE INSURANCE COMPANY | 120 | $199K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $12K |
| Short-term disability(2 contracts) | AFLAC | 12 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $14K |
| Other(4 contracts, 2 carriers) | AFLAC | 134 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.