| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN LORENZEN | 109 DIAMOND TAIL RD PLACITAS, NM 87043 | AFLAC | $3K | $270 | $3K | 7.72% |
| JUDE M MONTOYA Filed as: JUDE MONTOYA | 6565 AMERICAS PKWY NE STE 115 ALBUQUERQUE, NM 87110 | AFLAC | $516 | $30 | $546 | 1.35% |
| TANYA ROBINSON | 2920 PENNSYLVANIA ST NE ALBUQUERQUE, NM 87110 | AFLAC | $326 | $30 | $356 | 0.88% |
| JEFFREY M SATTERLEE Filed as: JEFFREY SATTERLEE | 4351 JAGER DR NE STE B RIO RANCHO, NM 87144 | AFLAC | $175 | $0 | $175 | 0.43% |
| ALMA IKIC | 18205 VIA POTANO MORGAN HILL, CA 95037 | AFLAC | $143 | $0 | $143 | 0.35% |
| KIMBERLY SCOTT | 6465 CLEARWATER DR LOVELAND, CO 80538 | AFLAC | $34 | $0 | $34 | 0.08% |
| SCOTT BLACK | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $33 | $0 | $33 | 0.08% |
| DEBORAH P BLACK Filed as: DEBORAH BLACK | 5509 FORESTER POND AVE SARASOTA, FL 34243 | AFLAC | $20 | $0 | $20 | 0.05% |
| MARJORIE W DECANIO Filed as: MARJORIE DECANIO | 2803 FRUITVILLE RD STE 120 SARASOTA, FL 34237 | AFLAC | $20 | $0 | $20 | 0.05% |
| JOHN J GRUND Filed as: JOHN GRUND | 4119 24TH AVE W BRADENTON, FL 34205 | AFLAC | $12 | $0 | $12 | 0.03% |
| JAMES (JAY) GRIMES Filed as: JAMES GRIMES | 614 ROBERT WILLIAMS RD PINE MOUNTAIN, GA 31822 | AFLAC | $6 | $0 | $6 | 0.01% |
| PAMELA G GIORDANO Filed as: PAMELA GIORDANO | 10614 56TH ST E PARRISH, FL 34219 | AFLAC | $5 | $0 | $5 | 0.01% |
| SUSAN BRIMHALL | PO BOX 8 LAKE PLACID, NY 12946 | AFLAC | $4 | $0 | $4 | 0.01% |
| RANDALL BARTLEIN | 2831 RINGLING BLVD STE B203 SARASOTA, FL 34237 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES ARTHUR HARBOUR Filed as: JAMES HARBOUR | 7725 GATEWAY UNIT 2503 IRVINE, CA 92618 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 37 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 37 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 37 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37 | — |
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.