| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | AETNA LIFE INSURANCE CO. | $81K | — | $81K | 4.89% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.89% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | SYMETRA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 12.92% |
| LISA HUTZOL3 Filed as: LISA A HUTZOL | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $1K | — | $1K | 3.13% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $530 | — | $530 | 1.36% |
| 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 | $379 | — | $379 | 0.97% |
| MAKRO ENTERPRISES INC3 | 6410 S EASTERN AVE, STE 100 LAS VEGAS, NV 89119 | AFLAC | $270 | — | $270 | 0.69% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $223 | — | $223 | 0.57% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $222 | — | $222 | 0.57% |
| ERIN C PILOT3 | 1177 DROWSY WATER CT HENDERSON, NV 89052 | AFLAC | $201 | — | $201 | 0.52% |
| SEAN MICHAEL PFEIFFER3 | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $183 | — | $183 | 0.47% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $161 | — | $161 | 0.41% |
| DWAYNE R MARTINEZ3 | 3095 E PATRICK LN STE 1 LAS VEGAS, NV 89120 | AFLAC | $96 | $33 | $129 | 0.33% |
| KATHLEEN A STRANDBOGE3 | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $109 | — | $109 | 0.28% |
| JENNIFER C BOREK3 | 3095 E PATRICK LN, STE 1 LAS VEGAS, NV 89120 | AFLAC | $84 | — | $84 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $81 | — | $81 | 0.21% |
| ORGILL/SINGER & ASSOCIATES INC3 Filed as: ORGILL SINGER AND ASSOC INC | 8360 W SAHARA AVE STE 110 LAS VEGAS, NV 89117 | AFLAC | $79 | — | $79 | 0.20% |
| EMPLOYERS BENEFITS DESIGN INC3 | 7485 W AZURE DRIVE, STE 229 LAS VEGAS, NV 89130 | AFLAC | $51 | — | $51 | 0.13% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $49 | — | $49 | 0.13% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $44 | — | $44 | 0.11% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $34 | — | $34 | 0.09% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS GUS VOGIATZIS | 4987 SHADY LEAF WAY SACRAMENTO, CA 95838 | AFLAC | $18 | — | $18 | 0.05% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $15 | — | $15 | 0.04% |
| ANDREW K PURDY3 | 1409 HAWKWOOD RD HENDERSON, NV 89014 | AFLAC | $12 | — | $12 | 0.03% |
| MARTY JOE TURNER3 | 209 WATERFORD DR CATAULA, GA 31804 | AFLAC | $11 | — | $11 | 0.03% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $6 | — | $6 | 0.02% |
| TRACI HUTCHINSON3 Filed as: TRACI L HUTCHINSON | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $5 | — | $5 | 0.01% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $5 | — | $5 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $3 | — | $3 | 0.01% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVE HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.01% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW H EDLIN3 | 9841 FIESTA ROSE AVE LAS VEGAS, NV 89148 | AFLAC | $3 | — | $3 | 0.01% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | 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% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $888 | $0 | $888 | 5.00% |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 409 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $172K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 293 | $18K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 339 | $145K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 339 | $184K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 339 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.