| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.20% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.65% |
| S AND K FINANCIAL AND INS. SVC. INC3 | 734 SILVER SPUR ROAD, SUITE 201 ROLLING HILLS ESTATES, CA 90274 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.56% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $626 | $0 | $626 | 1.40% |
| MJ INSURANCE3 Filed as: ARMIN LEONHARDT AND VARIOUS AGENTS | 9000 FRANCINE LANE POWELL, OH 43065 | AFLAC | $988 | $1 | $989 | 4.54% |
| RHOLAN CHAN WONG3 | 2825 TILDEN AVENUE LOS ANGELES, CA 90064 | AFLAC | $416 | $0 | $416 | 1.91% |
| AMBER D STEIN3 Filed as: AMBER D. STEIN | 14966 ROBINS ROAD JOHNSTOWN, OH 43031 | AFLAC | $352 | $0 | $352 | 1.62% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 17631 VENTURA BOULEVARD, SUITE 321 ENCINO, CA 91316 | AFLAC | $288 | $0 | $288 | 1.32% |
| PATRICIA GAIL LEES3 | 1124 CHURCHS COURT BURBANK, CA 91501 | AFLAC | $188 | $6 | $194 | 0.89% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $132 | $0 | $132 | 0.61% |
| KAREN M HUGHES3 Filed as: KAREN M. HUGHES | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $88 | $0 | $88 | 0.40% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 5 MONFORT DRIVE HUNTINGTON, NY 11743 | AFLAC | $41 | $0 | $41 | 3.49% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 170 OLD COUNTRY ROAD, SUITE 410 MINEOLA, NY 11501 | AFLAC | $20 | $0 | $20 | 1.70% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $12 | $0 | $12 | 1.02% |
| MCINERNEY GROUP LLC3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $2 | $0 | $2 | 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 | 260 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 36 | $23K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 334 | $45K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $117K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $117K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $94K |
| Prescription drug(2 contracts) | AFLAC | 36 | $23K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.