| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | — | $91K | 16.95% |
| W INSURNACE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 3.27% |
| W INSURANCE SERVICES INC3 | 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 | $2K | — | $2K | 4.33% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.11% |
| ELENI A NIKOLAS3 Filed as: ELENI KRAUSE | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $268 | — | $268 | 1.16% |
| BENEFITS GALLERY LLC3 | 2524 S EL PARADISO UNIT 113 MESA, AZ 85202 | AFLAC | $212 | — | $212 | 0.92% |
| KATHY LEE BRIGHT3 Filed as: KATHY BRIGHT | 788 E PEPPER DR CASA GRANDE, AZ 85122 | AFLAC | $120 | — | $120 | 0.52% |
| DANIEL H GRIFFIN3 Filed as: DANIEL GRIFFIN | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $118 | — | $118 | 0.51% |
| HEATHER F SEIBERT3 Filed as: HEATHER SEIBERT | PO BOX 1329 SHINER, TX 77984 | AFLAC | $107 | — | $107 | 0.46% |
| MARY JO ARNOLD3 Filed as: MARY ARNOLD | 4827 EXPEDITION DR COLORADO SPRINGS, CO 80911 | AFLAC | $88 | — | $88 | 0.38% |
| WILLIAM V SCHAUB3 Filed as: WILLIAM SCHAUB | 28 N 1ST ST STE 700 SAN JOSE, CA 95113 | AFLAC | $88 | — | $88 | 0.38% |
| MICHAEL KING3 | 2930 TELFORD PL CHARLOTTE, NC 28205 | AFLAC | $84 | — | $84 | 0.36% |
| PATRICIA GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $78 | — | $78 | 0.34% |
| KIMBERLY ADAMS3 | PO BOX 167 UMPQUA, OR 97486 | AFLAC | $76 | — | $76 | 0.33% |
| CLARISSA LYNNE HERRICK3 Filed as: CLARISSA HERRICK | 3449 EAGLE RIDGE CT VALRICO, FL 33596 | AFLAC | $63 | — | $63 | 0.27% |
| GRADY E BIBLE3 Filed as: GRADY BIBLE | 10304 VAN WINKLE COURT AUSTIN, TX 78739 | AFLAC | $59 | — | $59 | 0.26% |
| ED KRAUSE3 | 50 HURT PLAZA SE STE 995 ATLANTA, GA 30303 | AFLAC | $57 | — | $57 | 0.25% |
| GARRETT D SOCK3 Filed as: GARRETT SOCK | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $52 | — | $52 | 0.22% |
| DANIEL E YOUNG3 Filed as: DANIEL YOUNG | 2442 VALLEY PARK DR LARKSPUR, CO 80118 | AFLAC | $43 | — | $43 | 0.19% |
| ROBERT D SEIBERT3 Filed as: ROBERT SEIBERT | PO BOX 1329 SHINER, TX 77984 | AFLAC | $40 | — | $40 | 0.17% |
| CHAD L NELSON3 Filed as: CHAD NELSON | 490 EAST ROOSEVELT ROAD STE 203 WEST CHICAGO, IL 60185 | AFLAC | $38 | — | $38 | 0.16% |
| HERRICK INSURANCE GROUP INC3 Filed as: HERRICK INSURANCE GROUP | 1445 MONTE LAKE DR VALRICO, FL 33596 | AFLAC | $36 | — | $36 | 0.16% |
| HERRICK INSURANCE GROUP INC3 Filed as: HERRICK INSURANCE GROUP | 1445 MONTE LAKE DR VALRICO, FL 33596 | AFLAC | $36 | — | $36 | 0.16% |
| GARY SCOTT NELLIS3 Filed as: GARY NELLIS | 10607 1/2 WOODBRIDGE ST TOLUCA LAKE, CA 91602 | AFLAC | $35 | — | $35 | 0.15% |
| GARY SCOTT NELLIS3 Filed as: GARY NELLIS | 10607 1/2 WOODBRIDGE ST TOLUCA LAKE, CA 91602 | AFLAC | $35 | — | $35 | 0.15% |
| CHRISTINE A EDGERTON3 Filed as: CHRISTINE EDGERTON | 8830 SE FLAVEL ST APT 34 PORTLAND, OR 97266 | AFLAC | $33 | — | $33 | 0.14% |
| CHRISTINE A EDGERTON3 Filed as: CHRISTINE EDGERTON | 8830 SE FLAVEL ST APT 34 PORTLAND, OR 97266 | AFLAC | $33 | — | $33 | 0.14% |
| NAVEED ULHAQ3 | 2033 RUBEN RD MONROE, NC 28112 | AFLAC | $33 | — | $33 | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SVS | 119 FREMONT STREET SUITE 1500 SAN FRANCISCO, CA 94105 | AFLAC | $29 | — | $29 | 0.13% |
| MJR INSURANCE SERVICES LLC3 | 5805 SEPULVEDA BLVD STE 700 SHERMAN OAKS, CA 91411 | AFLAC | $28 | — | $28 | 0.12% |
| RICHARD JONES3 | 7512 E INDEPENDENCE BLVD STE 103 CHARLOTTE, NC 28227 | AFLAC | $28 | — | $28 | 0.12% |
| LEANN C LEVINE3 Filed as: LEANN LEVINE | 1049 16TH ST 9 SANTA MONICA, CA 90403 | AFLAC | $27 | — | $27 | 0.12% |
| SPAULDING GROUP ENTERPRISES3 | 4297 KLUMP AVE STUDIO CITY, CA 91602 | AFLAC | $25 | — | $25 | 0.11% |
| JONATHAN PAYNE3 | 110 HASLEMERE CT LAFAYETTE, CA 94549 | AFLAC | $25 | — | $25 | 0.11% |
| STEVE CRAIG GOLDSTEIN3 Filed as: STEVE GOLDSTEIN | 1 S FAIR OAKS AVE STE 200 PASADENA, CA 91105 | AFLAC | $24 | — | $24 | 0.10% |
| KATHLEEN L PLEGER3 Filed as: KATHLEEN PLEGER | 5320 WHISPERING OAKS DR PLAINFIELD, IL 60586 | AFLAC | $22 | — | $22 | 0.10% |
| VICKIE SUSAN ELIZARDO3 Filed as: VICKIE ELIZARDO | 6315 RAY RD PASADENA, TX 77505 | AFLAC | $22 | — | $22 | 0.10% |
| JEANNINE CAPPUSO3 | 6421 CONGRESS AVE STE 100 BOC RATON, FL 33487 | AFLAC | $20 | — | $20 | 0.09% |
| ANDREW PRINCE LOVINGIER3 Filed as: ANDREW LOVINGIER | 1817 BLOYD ST KELSO, WA 98626 | AFLAC | $19 | — | $19 | 0.08% |
| SHARON L. SOCK3 Filed as: SHARON SOCK | 680 HOPE ST PROVIDENCE, RI 02906 | AFLAC | $18 | — | $18 | 0.08% |
| CRAIG A HOPKINS3 Filed as: CRAIG HOPKINS | 1426 E IRON EAGLE DR EAGLE, ID 83616 | AFLAC | $18 | — | $18 | 0.08% |
| JAMES W BENCIN3 Filed as: JAMES BENCIN | 11 SHELDRAKE LN WEST PALM BEACH, FL 33418 | AFLAC | $17 | — | $17 | 0.07% |
| NICHOLAS STILLS3 | 8801 GEORGE WYTHE CT CHARLOTTE, NC 28277 | AFLAC | $17 | — | $17 | 0.07% |
| DENTON J GILES3 Filed as: DENTON GILES | 9235 LAKEWAY VIEW LN HUMBLE, TX 77396 | AFLAC | $14 | — | $14 | 0.06% |
| MICHAEL RHODD3 | 2818 ROCKVILLE RD 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 | $13 | — | $13 | 0.06% |
| JOSEPH M GOSSMAN JR3 Filed as: JOSEPH GROSSMAN | 8302 BRISTOL FORD PL CHARLOTTE, NC 28215 | AFLAC | $11 | — | $11 | 0.05% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 12121 WILSHIRE BLVD STE 1225 LOS ANGELES, CA 90025 | AFLAC | $11 | — | $11 | 0.05% |
| GREGORY STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $10 | — | $10 | 0.04% |
| LAURENCE D REEMTSEN3 Filed as: LAURENCE REEMTSEN | 15330 ALBRIGHT ST UNIT 204 PACIFIC PALISADES, CA 90272 | AFLAC | $10 | — | $10 | 0.04% |
| KEVIN B SORIA3 Filed as: KEVIN SORIA | 815 S BRIDGE WAY PL STE 100 EAGLE, ID 83616 | AFLAC | $9 | — | $9 | 0.04% |
| RICHARD TALLEY3 | 17019 MURPHY AVE MORGAN HILL, CA 95037 | AFLAC | $9 | — | $9 | 0.04% |
| JOSHUA J PARISE3 Filed as: JOSHUA PARISE | 7325 JANES AVE WOODRIDGE, IL 60517 | AFLAC | $9 | — | $9 | 0.04% |
| MATHEW P GAHM3 Filed as: MATHEW GAHM | 6754 SILVERWIND CIRCLE COLORADO SPRINGS, CO 80923 | AFLAC | $9 | — | $9 | 0.04% |
| LUCY DIANE BAKER3 Filed as: LUCY BAKER | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $9 | — | $9 | 0.04% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $8 | — | $8 | 0.03% |
| LEO GILLIES3 | 4008 VISTA RD STE C101 #C101-B PASADENA, TX 77504 | AFLAC | $8 | — | $8 | 0.03% |
| ERIC DANIEL WEILAND3 Filed as: ERIC WEILAND | 14511 SW CORNERSTONE LN SHERWOOD, OR 97140 | AFLAC | $8 | — | $8 | 0.03% |
| C SKIPPER3 | PO BOX 11128 MONTGOMERY, AL 36111 | AFLAC | $7 | — | $7 | 0.03% |
| SCOTT NIELSEN3 | 1089 LAKE WASHINGTON BLVD N APT 306 RENTON, WA 98056 | AFLAC | $5 | — | $5 | 0.02% |
| BARBARA BAROS3 | 5301 GOSHEN CT CORPU CHRISTI, TX 78413 | AFLAC | $5 | — | $5 | 0.02% |
| AMY PURVIS3 | 90 GREAT OAKS BLVD STE 103 SAN JOSE, CA 95119 | AFLAC | $5 | — | $5 | 0.02% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.02% |
| JONATHAN KIRKLAND3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $3 | — | $3 | 0.01% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.01% |
| BARTLEIN AND ASSOCIATES INC3 | 5577 BROADCAST COURT SARASOTA, FL 34240 | AFLAC | $3 | — | $3 | 0.01% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM J SHARP3 Filed as: WILLIAM SHARP | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $1 | — | $1 | 0.00% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 E MARRILL RD BYRON, IL 61010 | AFLAC | $1 | — | $1 | 0.00% |
| ELIZABETH M GASPAROVIC3 Filed as: ELIZABETH GASPAROVIC | 1531 W RUE JAMES PL PALATINE, IL 60067 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY C WEST3 Filed as: JEFFREY WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $1 | — | $1 | 0.00% |
| LARRY D DENNY3 Filed as: LARRY MARONEY | 1230 MOUNTAIN BREEZE CANYON LAKE, TX 78133 | AFLAC | $1 | — | $1 | 0.00% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $721 | — | $721 | 10.00% |
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 | 342 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 342 | 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 | 571 | $560K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 571 | $537K |
| Vision | VISION SERVICE PLAN | 231 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 263 | $98K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $27K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 571 | $537K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 571 | $567K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.