| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $115K | $22K | $137K | 31.49% |
| DAVID GEORGE CARVER3 Filed as: DAVID LAWTON JR. AND OTHER AGENTS | 100 LONG BEACH BOULEVARD LONG BEACH, CA 90802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $9K | $60K | 13.74% |
| MCCARY INC.3 Filed as: MCCARY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $26K | $42K | 9.58% |
| JANELLE MARIE AGAGON3 | 421 WEST BROADWAY LONG BEACH, CA 90802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27K | $14K | $41K | 9.30% |
| YOLO ENTERPRISE INC3 Filed as: YOLO ENTERPRISES, INC. | 2581 HILLCREST STREET SIGNAL HILL, CA 90755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $9K | $28K | 6.36% |
| ANDRE CRENSHAW3 | 19605 TALLISMAN STREET TORRANCE, CA 91367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $571 | $17K | 3.93% |
| JOSEPH J. MINNEY3 | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $3K | $16K | 3.78% |
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 | 1,775 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 3,128 | $11.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,128 | $5.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,128 | $5.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,175 | $493K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,175 | $493K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 3,128 | $11.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,175 | $928K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,128 | — |
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.