| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | AETNA LIFE INSURANCE COMPANY | $117K | $0 | $117K | 4.08% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | SYMETRA | $47K | $0 | $47K | 20.00% |
| RELATION INSURANCE SERVICES OF CA3 | 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: GLB INS GRP OF NV AN ALERA GRP AGCY | 6410 S EASTERN AVE, STE 100 LAS VEGAS, NV 89119 | AFLAC | $2K | $0 | $2K | 9.39% |
| MELANIE HENDERSEN3 | 6127 S RAINBOW BLVD, STE 110 LAS VEGAS, NV 89118 | AFLAC | $1K | $0 | $1K | 4.83% |
| MICHAEL F IVES3 | 6127 S RAINBOW BLVD, STE 110B LAS VEGAS, NV 89118 | AFLAC | $562 | $0 | $562 | 2.39% |
| LISA HUTZOL3 Filed as: LISA A HUTZOL | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $513 | $0 | $513 | 2.18% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD, STE 110 LAS VEGAS, NV 89118 | AFLAC | $337 | $0 | $337 | 1.43% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $207 | $0 | $207 | 0.88% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $120 | $0 | $120 | 0.51% |
| ERIN C PILOT3 | 1176 DROWSY WATER CT HENDERSON, NV 89052 | AFLAC | $116 | $0 | $116 | 0.49% |
| LARRY W NICHOLSON3 | 1341 WALES DR FORT MYERS, FL 33901 | AFLAC | $110 | $0 | $110 | 0.47% |
| DWAYNE R MARTINEZ | 3329 FENNEL RD NE RIO RANCHO, NM 87144 | AFLAC | $83 | $0 | $83 | 0.35% |
| SEAN MICHAEL PFEIFFER | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $73 | $0 | $73 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $43 | $0 | $43 | 0.18% |
| LARRY W NICHOLSON3 | 130 N SHELMORE BLVD MT PLEASANT, SC 29464 | AFLAC | $33 | $0 | $33 | 0.14% |
| JENNIFER C BOREK | 11612 BOLLINGER LN LAS VEGAS, NV 89141 | AFLAC | $24 | $0 | $24 | 0.10% |
| KATHLEEN A STRANDBOGE3 | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $23 | $0 | $23 | 0.10% |
| EMPLOYERS BENEFITS DESIGN INC3 | 5550 PAINTED MIRAGE RD, STE 320 LAS VEGAS, NV 89149 | AFLAC | $20 | $0 | $20 | 0.09% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $19 | $0 | $19 | 0.08% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $15 | $0 | $15 | 0.06% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS GUS VOGIATZIS | 3112 O ST, STE 18 SACRAMENTO, CA 95816 | AFLAC | $13 | $0 | $13 | 0.06% |
| LAURENCE W KEMP3 Filed as: LAURENCE E RAY | 1489 W WARM SPRINGS RD STE 110 HENDERSON, NV 89014 | AFLAC | $8 | $0 | $8 | 0.03% |
| MARTY JOE TURNER3 | PO BOX 43 MAUK, GA 31058 | AFLAC | $8 | $0 | $8 | 0.03% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $7 | $0 | $7 | 0.03% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $5 | $0 | $5 | 0.02% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICE LLC | 1120 N TOWN CENTER DR STE 240 LAS VEGAS, NV 89144 | AFLAC | $5 | $0 | $5 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $3 | $0 | $3 | 0.01% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $3 | $0 | $3 | 0.01% |
| MARGUERITE E LEMMON-RINEHART3 | 502 QUITO DRUMMOND RD DRUMMONDS, TN 38023 | AFLAC | $3 | $0 | $3 | 0.01% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $3 | $0 | $3 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 502 QUITO DRUMMONDS RD DRUMMONDS, TN 38023 | AFLAC | $2 | $0 | $2 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 8360 W SAHARA AVE STE 110 LAS VEGAS, NV 89117 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL C WALKER Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $1 | $0 | $1 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 691 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 596 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 596 | $2.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 691 | $25K |
| Life insurance | SYMETRA | 691 | $237K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA | 691 | $260K |
| Long-term disability | SYMETRA | 691 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.