| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 30335 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $114K | — | $114K | 20.32% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ELENI A NIKOLAS3 Filed as: ELENI A. KRAUSE | 50 HURT PLAZA SOUTHEAST SUITE 996 ATLANTA, GA 30303 | AFLAC | $288 | — | $288 | 1.14% |
| BENEFITS GALLERY LLC3 | 2524 SOUTH EL PARADISO UNIT 113 MESA, AZ 85202 | AFLAC | $213 | — | $213 | 0.85% |
| KATHY LEE BRIGHT3 | 788 EAST PEPPER DRIVE CASA GRANDE, AZ 85122 | AFLAC | $121 | — | $121 | 0.48% |
| DANIEL H GRIFFIN3 Filed as: DANIEL H. GRIFFIN | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $118 | — | $118 | 0.47% |
| HEATHER F SEIBERT3 Filed as: HEATHER F. SEIBERT | PO BOX 1320 SHINER, TX 77984 | AFLAC | $107 | — | $107 | 0.42% |
| WILLIAM V SCHAUB3 | 28 NORTH 1ST STREET SUITE 700 SAN JOSE, CA 95113 | AFLAC | $103 | — | $103 | 0.41% |
| KIMBERLY D. ADAMS3 Filed as: KIMBERLY D ADAMS | PO BOX 167 UMPQUA, OH 97486 | AFLAC | $89 | — | $89 | 0.35% |
| MARY JO ARNOLD3 | 4827 EXPEDITION DRIVE COLORADO SPRING, CO 80911 | AFLAC | $86 | — | $86 | 0.34% |
| PATRICIA J CEE3 | PO BOX 2334 MESA, AZ 95214 | AFLAC | $79 | — | $79 | 0.31% |
| CLARISSA LYNNE HERRICK3 | 1445 MONTE LAKE DRIVE VALRICO, FL 33596 | AFLAC | $63 | — | $63 | 0.25% |
| ED KRAUSE3 | 2450 AIRPORT ROAD APARTMENT N2131 LONGMONT, CO 80503 | AFLAC | $61 | — | $61 | 0.24% |
| GRADY E BIBLE3 | 10304 VAN WINKLE COURT AUSTIN, TX 78739 | AFLAC | $60 | — | $60 | 0.24% |
| GARRETT D SOCK3 Filed as: GARRETT O SOCK | 1030 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $52 | — | $52 | 0.21% |
| JOSEPH M GOSSMAN JR3 Filed as: JOSEPH GROSSMAN | 8302 BRISTOL ROAD PLACE CHARLOTTE, NC 28215 | AFLAC | $46 | — | $46 | 0.18% |
| CHRISTINE A EDGERTON3 | 6330 SOUTHEAST FLAVEL STREET APARTMENT 34 PORTLAND, OR 97266 | AFLAC | $45 | — | $45 | 0.18% |
| DANIEL E YOUNG3 | 2442 VALLEY PARK DRIVE LAKSPUR, CO 80118 | AFLAC | $43 | — | $43 | 0.17% |
| ROBERT D SEIBERY3 | PO BOX 1329 SHINER, TX 77981 | AFLAC | $41 | — | $41 | 0.16% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROSSEVELT ROAD SUITE 203 WEST CHICAGO, IL 50185 | AFLAC | $40 | — | $40 | 0.16% |
| HERRICK INSURANCE GROUP INC3 Filed as: HERRICK INSURANCE GROUP INC. | 1445 MONTE LAKE DRIVE VARICO, FL 33596 | AFLAC | $36 | — | $36 | 0.14% |
| GARY SCOTT NELLIS3 | 10607 1/2 WOODBRIDGE STREET TOLUCA LAKE, CA 91602 | AFLAC | $35 | — | $35 | 0.14% |
| NAVEED ULHAQ3 Filed as: NAVEED T ULHAO | 2033 RUBEN ROAD MONROE, NC 28112 | AFLAC | $33 | — | $33 | 0.13% |
| SHARON L. SOCK3 Filed as: SHARON L SOCK | 660 HOPE STREET PROVIDENCE, RI 02906 | AFLAC | $32 | — | $32 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 199 FREMONT STREET SUITE 1500 SAN FRANCISCO, CA 94105 | AFLAC | $31 | — | $31 | 0.12% |
| MJR INSURANCE SERVICES LLC3 | 7349 PONCE AVENUE WEST HILLS, CA 91307 | AFLAC | $30 | — | $30 | 0.12% |
| DAVID G RUFF3 | PO BOX 19321 BOULDER, CO 80308 | AFLAC | $29 | — | $29 | 0.12% |
| RICHARD JONES3 Filed as: RICHARD J JONES | 7512 EAST INDEPENDENCE BOULEVARD SUITE 103 CHARLOTTE, NC 28227 | AFLAC | $28 | — | $28 | 0.11% |
| LEANN C LEVINE3 | 1049 16TH STREET #9 SANTA MONICA, CA 90403 | AFLAC | $28 | — | $28 | 0.11% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $27 | — | $27 | 0.11% |
| ANDREW PRINCE LOVINGIER3 | 1426 EAST IRON EAGLE DRIVE EAGLE, ID 83616 | AFLAC | $25 | — | $25 | 0.10% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN DANIEL PAYNE | 110 HASLEMERE COURT LAFAYETTE, CA 94549 | AFLAC | $25 | — | $25 | 0.10% |
| STEVE CRAIG GOLDSTEIN3 Filed as: STEVE GOLDSTEIN | 1 SOUTH FAIR OAKS AVENUE SUITE 200 PASADENA, CA 91105 | AFLAC | $24 | — | $24 | 0.10% |
| CRAIG A HOPKINS3 | 1425 EAST IRON EAGLE DRIVE EAGLE, ID 63616 | AFLAC | $24 | — | $24 | 0.10% |
| KATHLEEN L PLEGER3 | 5320 WHISPERING OAKS DRIVE PLAINFIELD, IL 60586 | AFLAC | $22 | — | $22 | 0.09% |
| VICKIE SUSAN ELIZARDO3 | 4216 STONEY VIEW DRIVE PASADENA, TX 77505 | AFLAC | $22 | — | $22 | 0.09% |
| JEANNINE CAPPUSO3 | 10308 PALEROMO CIRCLE APARTMENT 203 TAMPA, FL 33619 | AFLAC | $20 | — | $20 | 0.08% |
| PAUL G HERBIG3 | 4310 NORTHEAST 42ND STREET VANCOUVER, WA 98661 | AFLAC | $18 | — | $18 | 0.07% |
| LAURENCE D REEMTSEN3 | 15330 ALBRIGHT STREET SUITE 204 PACIFIC PALISADES, CA 90272 | AFLAC | $18 | — | $18 | 0.07% |
| JAMES W BENCIN3 Filed as: JAMES W. BENCIN | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $18 | — | $18 | 0.07% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 8801 GEORGE WYTHE COURT CHARLOTTE, NC 28277 | AFLAC | $17 | — | $17 | 0.07% |
| GARY GIARRANTANO3 | 6612 SHADY BEND ROAD LENEXA, KS 86227 | AFLAC | $14 | — | $14 | 0.06% |
| DENTON J GILES3 | 9235 LAKEWAY VIEW LANE HUMBLE, TX 77396 | AFLAC | $14 | — | $14 | 0.06% |
| CALIFORNIA EAST BAY INS SERV INC3 | 5236 TAPESTRY COURT FAIRFIELD, CA 94534 | AFLAC | $14 | — | $14 | 0.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AFLAC | $14 | — | $14 | 0.06% |
| RICHARD TALLEY3 Filed as: RICHARD M TALLEY | 17019 MURPHY AVENUE MORGAN HILL, CA 95037 | AFLAC | $14 | — | $14 | 0.06% |
| KEVIN B SORIA3 | 815 SOUTH BRIDGE WAY PLACE SUITE 100 EAGLE, ID 83616 | AFLAC | $12 | — | $12 | 0.05% |
| ADAM H MICHAELS3 | 12121 WILSHIRE BOULEVARD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $12 | — | $12 | 0.05% |
| ERIC DANIEL WEILAND3 | 14511 SOUTHWEST CORNERSTONE LANE SHERWOOD, OR 97140 | AFLAC | $11 | — | $11 | 0.04% |
| GREGORY F STENZEL3 | 6800 STONY HILL ROAD MCKINNEY, TX 75070 | AFLAC | $10 | — | $10 | 0.04% |
| D BREDSON INSURANCE SERVICES3 | 641 HIGUERA STREET SUTIE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $10 | — | $10 | 0.04% |
| JOSHUA J PARISE3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | AFLAC | $9 | — | $9 | 0.04% |
| MATHEW P GAHM3 | 6164 SILVERWIND CIRCLE COLORADO SPRINGS, CO 80923 | AFLAC | $9 | — | $9 | 0.04% |
| SONIA BEATO3 | 9836 NORTH KENDALLE DRIVE APARTMENT 5A MIAMI, FL 33176 | AFLAC | $9 | — | $9 | 0.04% |
| LUCY DIANE BAKER3 | 10402 QUIET BAY COURT CHARLOTTE, NC 26278 | AFLAC | $9 | — | $9 | 0.04% |
| G SCOTT COOKE3 Filed as: SCOTT E NIELSEN | 1089 LAKE WASHINGTON BOULEVARD N APARTMENT 306 RENTON, WA 98056 | AFLAC | $8 | — | $8 | 0.03% |
| LEO A GILLIES3 | 4008 VISTA ROAD SUITE C101 #C101-B PASADENA, TX 77504 | AFLAC | $8 | — | $8 | 0.03% |
| JONATHAN SAMUEL KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $7 | — | $7 | 0.03% |
| MICHAEL KING3 Filed as: MICHAEL L KING | 2920 TELFORD PLACE CHARLOTTE, NC 28205 | AFLAC | $7 | — | $7 | 0.03% |
| C LEONARD SKIPPER3 | PO BOX 11128 MONTGOMERY, AL 36111 | AFLAC | $7 | — | $7 | 0.03% |
| JANET IBANEZ3 | 14285 SOUTHWEST 142ND STREET MIAMI, FL 33158 | AFLAC | $6 | — | $6 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN COURT CORPUS CHRISTI, TX 73413 | AFLAC | $5 | — | $5 | 0.02% |
| RONALD F HERBIG3 | 27903 NORTHEAST 132ND AVENUE BATTLE GROUND, WA 98604 | AFLAC | $5 | — | $5 | 0.02% |
| AMY E COHEN3 Filed as: AMY A PURVIS | 90 GREAT OAKS BOULEVARD SUITE 205 SAN JOSE, CA 95110 | AFLAC | $5 | — | $5 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.02% |
| CYNTHIA BENGTSON3 | 2550 RICHEY DRIVE LA CANADA, CA 91011 | AFLAC | $4 | — | $4 | 0.02% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD SUITE A HICKORY, NC 28601 | AFLAC | $4 | — | $4 | 0.02% |
| MARTA M SASTRE3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $3 | — | $3 | 0.01% |
| BARTLEIN AND ASSOC INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $3 | — | $3 | 0.01% |
| ALAN LECLAIRE3 | 10600 CHEVROLET WAY SUITE 202 ESTERO, FL 33928 | AFLAC | $3 | — | $3 | 0.01% |
| SCOTT WEBB3 | 2355 WEST PINNACLE PEAK ROAD SUITE 380 PHOENIX, AZ 85027 | AFLAC | $2 | — | $2 | 0.01% |
| MARSHA BICKLER3 Filed as: MARSHA K BICKLER | PO BOX 1958 EVERGREEN, CO 80437 | AFLAC | $2 | — | $2 | 0.01% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $2 | — | $2 | 0.01% |
| DIANA CABRAL RENTCHLER3 | PO BOX 54 WEST SACREMENTO, CA 95691 | AFLAC | $2 | — | $2 | 0.01% |
| GLEN DOUGLAS GABLE3 | 3850 EAST BASELINE ROAD SUITE 116 MESA, AZ 85206 | AFLAC | $2 | — | $2 | 0.01% |
| DENISE JANE FORCONI3 | 30411 NORTH 72ND PLACE SCOTTSDALE, AZ 85266 | AFLAC | $1 | — | $1 | 0.00% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 1069 WEST BROAD STREET SUITE 153 FALLS CHURCH, VA 22046 | AFLAC | $1 | — | $1 | 0.00% |
| LAUREL L HARLOW3 | 4566 NORTH 1ST AVENUE SUITE 140 TUCSON, AZ 85713 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY C WEST3 | 17403 WIDMORE PLACE SPRING, TX 77379 | AFLAC | $1 | — | $1 | 0.00% |
| TRENT J NIELSEN3 | 5575 SOUTH HUNT ROAD SALT LAKE CITY, UT 84112 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN P THOMPSON3 | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $1 | — | $1 | 0.00% |
| YVETTE WOODS AND OTHER AGENTS3 Filed as: YVETTE WOODS | PO BOX 14112 VAN NUYS, CA 91409 | AFLAC | $1 | — | $1 | 0.00% |
| LAWRENCE A ELMORE3 | PO BOX 244 NIRRUSIB, CO 80465 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NORTHWEST KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $751 | — | $751 | 10.00% |
| DAVID PAPERNO3 | 78347 GRAPE ARBOR AVENUE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $846 | — | $846 | 23.93% |
| CHRISTA G AUFDEMBERG INC3 Filed as: CHRISTA AUFDEMBERG INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $74 | — | $74 | 2.09% |
| INTEGRITY ASSET SERVICES LLC3 | 1873 KOYUKON DRIVE SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $37 | — | $37 | 1.05% |
| GRADY TURNER3 | 541 WEST CAPITAL EXPRESSWAY #10 PMB 113 SAN JOSE, CA 95136 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $23 | — | $23 | 0.65% |
| CHARLES GUSTAFSON3 | 648 NORTH PINECLIFF DRIVE FLAGSTAFF, AZ 86001 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $6 | — | $6 | 0.17% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 569 | $587K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 569 | $561K |
| Vision | VISION SERVICE PLAN | 227 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 378 | $97K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 569 | $561K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 378 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.