| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA. INC. | 541 NORTH MAIN STREET SUITE 100 MOUNT AIRY, NC 27030 | BLUE CROSS OF CALIFORNIA | $38K | $2K | $40K | 5.11% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST. STE. 2400 SAN DIEGO, CA 92101 | SUN LIFE ASSSURANCE COMPANY OF CANADA | $8K | $2K | $9K | 13.33% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $937 | — | $937 | 5.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $342 | $0 | $342 | 2.87% |
| MARK D GOLDEN3 | 24875 PRIELIPP RD APT 523 WILDOMAR, CA 92595 | AFLAC | $104 | — | $104 | 5.25% |
| CHARISE A KINNAMAN3 Filed as: CHARISE KINNAMAN | 3410 LA SIERRA AVENUE #F137 RIVERSIDE, CA 92503 | AFLAC | $40 | — | $40 | 2.02% |
| JEFFREY T JOHNSON3 | 30766 MAINMAST DR AGOURA HILLS, CA 91301 | AFLAC | $32 | — | $32 | 1.61% |
| JOSEPH H FERRELL3 | 709 WEST FERN AVE REDLANDS, CA 92373 | AFLAC | $30 | — | $30 | 1.51% |
| DANIEL R CHAMBERLAIN3 | 333 NOOR DRIVE NORCO, CA 92860 | AFLAC | $16 | — | $16 | 0.81% |
| JULIE L WOLD3 Filed as: JULIE WOLD | 7720 E MOONRIDGE LN ANAHEIM, CA 92808 | AFLAC | $14 | — | $14 | 0.71% |
| JANICE ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $7 | — | $7 | 0.35% |
| TERRANCE M LUCZAJ3 Filed as: TERRANCE LUCZAJ | 29 CRESTVIEW DR RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $4 | — | $4 | 0.20% |
| TOMMY C FLEESON3 Filed as: TOMMY FLEESON | 3395 MICHELSON DR APT 5155 IRVINE, CA 92612 | AFLAC | $3 | — | $3 | 0.15% |
| MARK WOOD3 | 315 W HACIENDA DR CORONA, CA 92882 | AFLAC | $2 | — | $2 | 0.10% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, CA 29412 | AFLAC | $1 | — | $1 | 0.05% |
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 | 87 | 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) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 111 | $778K |
| Dental | SUN LIFE ASSSURANCE COMPANY OF CANADA | 77 | $71K |
| Vision | VISION SERVICE PLAN | 87 | $17K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 111 | $849K |
| Long-term disability | STANDARD INSURANCE COMPANY | 13 | $12K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 111 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.