| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 620 W CROMWELL AVE FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $96K | $0 | $96K | 4.99% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | SYMETRA | $22K | $7K | $28K | 13.01% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2290 HUNTINGTON DRIVE STE 200 SAN MARINO, CA 91108 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| LISA HUTZOL3 Filed as: LISA A HUTZOL | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $749 | $0 | $749 | 3.65% |
| 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 | $471 | $0 | $471 | 2.29% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $275 | $0 | $275 | 1.34% |
| LARRY W NICHOLSON3 | 116 E MAIN ST ROCK HILL, SC 29730 | AFLAC | $173 | $0 | $173 | 0.84% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $159 | $0 | $159 | 0.77% |
| ERIN C PILOT3 | 1176 DROWSY WATER CT HENDERSON, NV 89052 | AFLAC | $137 | $0 | $137 | 0.67% |
| DWAYNE R MARTINEZ3 | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $123 | $0 | $123 | 0.60% |
| SEAN MICHAEL PFEIFFER3 Filed as: SEAN MICHEAL PFEIFFER | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $109 | $0 | $109 | 0.53% |
| KATHLEEN A STRANDBOGE | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $62 | — | $62 | 0.30% |
| JENNIFER C BOREK3 | 1161 BOLLINGER LN LAS VEGAS, NV 89141 | AFLAC | $56 | $0 | $56 | 0.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $55 | $0 | $55 | 0.27% |
| EMPLOYERS BENEFITS DESIGN INC3 | 7485 W AZURE DR STE 229 LAS VEGAS, NV 89130 | AFLAC | $23 | $0 | $23 | 0.11% |
| CYNTHIA L SAMUELS3 | 3619 SANWOOD ST LAS VEGAS, NV 89147 | AFLAC | $21 | $0 | $21 | 0.10% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $20 | $0 | $20 | 0.10% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS GUS VOGIATZIS | 311 O ST STE 18 SACRAMENTO, CA 95816 | AFLAC | $15 | $0 | $15 | 0.07% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $11 | $0 | $11 | 0.05% |
| USI INSURANCE SERVICES LLC | 8360 W SAHARA AVE STE 110 LAS VEGAS, NV 89117 | AFLAC | $10 | $0 | $10 | 0.05% |
| MARTY JOE TURNER3 | 1469 54TH ST COLUMBUS, GA 31904 | AFLAC | $9 | $0 | $9 | 0.04% |
| MAINFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $6 | $0 | $6 | 0.03% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 101 53 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $5 | $0 | $5 | 0.02% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INS SERVICE INC | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | $0 | $4 | 0.02% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $3 | $0 | $3 | 0.01% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $3 | $0 | $3 | 0.01% |
| MATTHEW H EDLIN3 | 9841 FIESTA ROSE AVE LAS VEGAS, NV 89148 | AFLAC | $3 | $0 | $3 | 0.01% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL C WALKER3 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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 481 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 481 | $1.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 298 | $24K |
| Life insurance | SYMETRA | 344 | $217K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA | 344 | $238K |
| Long-term disability | SYMETRA | 344 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.