| 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 | $88K | $9K | $97K | 3.99% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BLVD PLEASANT HILL, CA 94523 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.37% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD STE 400 WALNUT CREEK, CA 94597 | SYMETRA LIFE INSURANCE COMPANY | $21K | $418 | $22K | 10.20% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 300 CONTRA COSTA BLVD STE 525 PLEASANT HILL, CA 94523 | SUPERIOR VISION | $2K | $0 | $2K | 9.82% |
| LISA HUTZOL3 Filed as: LISA A HUTEZOL | 9628 LIGHTHEART AVE LAS VEGAS, NV 89148 | AFLAC | $576 | $0 | $576 | 3.36% |
| 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 | $245 | $0 | $245 | 1.43% |
| SCOTT M EDLIN3 | 5628 MESA MOUNTAIN DR LAS VEGAS, NV 89135 | AFLAC | $222 | $0 | $222 | 1.29% |
| LARRY W NICHOLSON3 Filed as: LARRY W NICKHOLSON | 130 N SHELMORE BLVD MT PLEASANT, SC 29464 | AFLAC | $146 | $0 | $146 | 0.85% |
| DEBORAH A MARINO3 | 6440 SKY POINTE DR 140-221 LAS VEGAS, NV 89131 | AFLAC | $140 | $0 | $140 | 0.82% |
| ERIN C PILOT3 | 1176 DROWSY WATER CT HENDERSON, NV 89052 | AFLAC | $124 | $0 | $124 | 0.72% |
| DWAYNE R MARTINEZ3 | 597 W 475 N CLEARFIELD, UT 84015 | AFLAC | $94 | $0 | $94 | 0.55% |
| SEAN MICHAEL PFEIFFER3 Filed as: SEAN M PFEIFFER | 3405 WATERVIEW TRL ROCKWALL, TX 75087 | AFLAC | $76 | $0 | $76 | 0.44% |
| MICHAEL F IVES3 | 6127 S RAINBOW BLVD, STE 110B LAS VEGAS, NV 89118 | AFLAC | $55 | $15 | $70 | 0.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 1150 GUSTINE ST CHULA VISTA, CA 91913 | AFLAC | $44 | $0 | $44 | 0.26% |
| JENNIFER C BOREK3 | 11612 BOLLINGER LANE LAS VEGAS, NV 89141 | AFLAC | $26 | $0 | $26 | 0.15% |
| KATHLEEN A STRANDBOGE3 | 6121 ROCKETMAN CIR LAS VEGAS, NV 89149 | AFLAC | $25 | $0 | $25 | 0.15% |
| EMPLOYERS BENEFITS DESIGN INC3 | 5550 PAINTED MIRAGE RD, STE 320 LAS VEGAS, NV 89149 | AFLAC | $22 | $0 | $22 | 0.13% |
| CYNTHIA L SAMUELS3 Filed as: CYNTHIA SAMUELS | 3619 SANDWOOD ST LAS VEGAS, NV 89147 | AFLAC | $21 | $0 | $21 | 0.12% |
| LAURENCE W KEMP3 Filed as: LAURENCE E RAY | 1489 W WARM SPRINGS RD STE 110 HENDERSON, NV 89014 | AFLAC | $12 | $3 | $15 | 0.09% |
| TAMMY A MORGART3 Filed as: TAMMY A SWAIN | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $15 | $0 | $15 | 0.09% |
| GUS BATES INSURANCE3 Filed as: NIKOLAS G VOGIATZIS | 3112 O ST, STE 18 SACRAMENTO, CA 95816 | AFLAC | $13 | $0 | $13 | 0.08% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $8 | $3 | $11 | 0.06% |
| MARTY JOE TURNER3 Filed as: MARTY J TURNER | PO BOX 43 MAUK, GA 31058 | AFLAC | $8 | $0 | $8 | 0.05% |
| COLLEEN M LAPRADE3 | 1053 HERMES AVE ENCINITAS, CA 92024 | AFLAC | $7 | $0 | $7 | 0.04% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: USIS INS SERVICES LLC | 8360 W SAHARA AVE STE 110 LAS VEGAS, NV 89117 | AFLAC | $6 | $0 | $6 | 0.03% |
| MANIFESTED ABUNDANCE INC3 | 2155 PAGANINI AVE HENDERSON, NV 89052 | AFLAC | $5 | $0 | $5 | 0.03% |
| VICTORIA KAMMER3 | 5417 AEGEAN WAY LAS VEGAS, NV 89149 | AFLAC | $3 | $0 | $3 | 0.02% |
| LYNN MARIE BARRY3 Filed as: LYNN G BARNSON | 10153 S WASATCH BLVD SANDY, UT 84092 | AFLAC | $3 | $0 | $3 | 0.02% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $3 | $0 | $3 | 0.02% |
| DAYTON LLC3 Filed as: DAYTON R RINEHART | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $2 | $0 | $2 | 0.01% |
| MICHAEL RHODD3 Filed as: MICHAEL J RHOOD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $1 | $0 | $1 | 0.01% |
| AMY LUDWICK3 Filed as: AMY M LUDWICK | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | — | — | $0 | 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 | 603 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 603 | $2.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 603 | $2.4M |
| Vision | SUPERIOR VISION | 567 | $24K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 603 | $212K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 603 | $229K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 603 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.