| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WARREN G BENDER CO3 | 516 GIBSON DRIVE STE 240 ROSEVILLE, CA 95678 | UNITED HEALTHCARE INSURANCE COMPANY | $73K | $0 | $73K | 5.29% |
| GRUNSKY INSURANCE SERVICES INC3 | 4120 DOUGLAS BLVD STE 306-331 GRANITE BAY, CA 95746 | UNITED HEALTHCARE INSURANCE COMPANY | $18 | $0 | $18 | 0.00% |
| JOSEPH RUBINO3 | 1806 BRABHAM ST EL CAJON, CA 92019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $371 | $4K | 6.25% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.02% |
| GRUNSKY INSURANCE SERVICES INC3 Filed as: GRUNSKY INSURANCE SERVICES, INC. | 2007-A OPPORTUNITY DRIVE, SUITE 2 ROSEVILLE, CA 95678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.34% |
| MICHAEL MINNEY3 Filed as: MICHAEL JAY MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | $222 | $603 | 0.97% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $171 | $503 | 0.81% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | $20 | $251 | 0.40% |
| FAS-EBA INC3 | 4371 LATHAM STREET RIVERSIDE, CA 92501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $215 | $0 | $215 | 0.35% |
| HILLENBRAND INSURANCE SERVICES3 Filed as: HILLENBRAND INSURANCE SERVICES INC | 2267 LAVA RIDGE COURT ROSEVILLE, CA 95661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 0.27% |
| DANA MARIE MOWATT3 | 2371 S WESTERN AVE TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $10 | $61 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.08% |
| WILLIAM L WISER3 | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.04% |
| STEPHEN D BILLINGSLEY3 | 1143 E 300 S BOUNTIFUL, UT 84010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $4 | $10 | 0.02% |
| WARREN G BENDER CO3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | UNIMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.96% |
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 | 99 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 187 | $1.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 187 | $1.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 187 | $1.4M |
| Life insurance | UNIMERICA LIFE INSURANCE COMPANY | 207 | $43K |
| Long-term disability | UNIMERICA LIFE INSURANCE COMPANY | 207 | $43K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 187 | $1.4M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 207 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.