| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S&K FINANCIAL & INSURANCE SERVICES3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.14% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.54% |
| S&K FINANCIAL & INSURANCE SERVICES3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.45% |
| HERACLIO ORTIZ3 Filed as: HERACLIO ORTIZ AND OTHER AGENTS | 316 WEST 2ND STREET, SUITE 500 LOS ANGELES, CA 90012 | AFLAC | $2K | $0 | $2K | 5.96% |
| AMBERD D. STEIN3 | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $1K | $0 | $1K | 3.88% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $578 | $0 | $578 | 1.61% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $502 | $0 | $502 | 1.40% |
| ANGELA D BUXTON3 Filed as: ANGELA D. BUXTON | 12230 TRENTON ROAD GALENA, OH 43021 | AFLAC | $484 | $0 | $484 | 1.35% |
| RHOLAN CHAN WONG3 | 2825 TILDEN AVENUE LOS ANGELES, CA 90064 | AFLAC | $474 | $0 | $474 | 1.32% |
| S & K FINANCIAL AND INSURANCE3 Filed as: S AND K FINANCIAL AND INSURANCE | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | AFLAC | $423 | $0 | $423 | 1.18% |
| S&K FINANCIAL & INSURANCE SERVICES3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $892 | $0 | $892 | 10.00% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $34 | $0 | $34 | 3.47% |
| TIMOTHY L. PENNEY3 Filed as: TIMOTHY L. PENNY | 273 BUFFALO AVENUE, APARTMENT 2E BROOKLYN, NY 11213 | AFLAC | $31 | $0 | $31 | 3.16% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $17 | $0 | $17 | 1.73% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $10 | $0 | $10 | 1.02% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 580 WHITE PLAINS ROAD, SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $2 | $0 | $2 | 0.20% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 63 | $37K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 239 | $37K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $185K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $176K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $139K |
| Prescription drug(2 contracts) | AFLAC | 63 | $37K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.