| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | AETNA LIFE INSURANCE CO. | $75K | — | $75K | 4.94% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.61% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| LISA HUTZOL Filed as: LISA A HUTZOL | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $125K | $12 | $125K | 337.83% |
| MARKO ENTERPRISES INC3 | 6410 S EASTERN AVE, STE 100 LAS VEGAS, NV 89119 | AFLAC | $2K | — | $2K | 5.44% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89148 | AFLAC | $479 | — | $479 | 1.29% |
| DWAYNE R MARTINEZ3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $257 | $28 | $285 | 0.77% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCKHILL, SC 29730 | AFLAC | $196 | — | $196 | 0.53% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $193 | — | $193 | 0.52% |
| ERIN C PILOT3 | 1176 DROWSY WATER CT HENDERSON, NV 89052 | AFLAC | $175 | — | $175 | 0.47% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRAIL ROCKWALL, TX 75087 | AFLAC | $174 | — | $174 | 0.47% |
| KATHLEEN A STRANDBOGE3 | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $103 | — | $103 | 0.28% |
| JENNIFER C BOREK3 | 3095 E PARRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $81 | — | $81 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $76 | — | $76 | 0.20% |
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL SINGER AND ASSOC INC | 8360 W SAHARA AVE STE 110 LAS VEGAS, NV 89117 | AFLAC | $76 | — | $76 | 0.20% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $45 | — | $45 | 0.12% |
| EMPLOYERS BENEFITS DESIGN INC3 | 330 E WARM SPRINGS RD LAS VEGAS, NV 89119 | AFLAC | $44 | — | $44 | 0.12% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $43 | — | $43 | 0.12% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $41 | — | $41 | 0.11% |
| ANDREW K PURDY3 | 1409 HAWKWOOD RD HENDERSON, NV 89014 | AFLAC | $20 | $2 | $22 | 0.06% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS GUS VOGIATZIS | 4987 SHADY LEAF WAY SACRAMENTO, CA 95838 | AFLAC | $15 | — | $15 | 0.04% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $14 | — | $14 | 0.04% |
| MARTY JOE TURNER3 | 209 WATERFORD DR CATAULA, GA 31804 | AFLAC | $9 | — | $9 | 0.02% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $7 | — | $7 | 0.02% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $6 | — | $6 | 0.02% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | — | $4 | 0.01% |
| MARGUERITE E LEMMON-RINEHART3 | 608N GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW H EDLIN3 | 9841 FIESTA ROSE AVE LAS VEGAS, NV 89148 | AFLAC | $3 | — | $3 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $2 | — | $2 | 0.01% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $2 | — | $2 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $1 | — | $1 | 0.00% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 305 10TH ST SACRAMENTO, CA 95814 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS BJR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.00% |
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | SUPERIOR VISION PLAN | $852 | — | $852 | 4.97% |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 313 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 472 | $166K |
| Vision | SUPERIOR VISION PLAN | 235 | $17K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 262 | $134K |
| Short-term disability | AFLAC | 50 | $37K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 262 | $134K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 262 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.