| 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 | $21K | $0 | $21K | 3.31% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 1.65% |
| JOSEPH RUBINO3 | 1806 BRABHAM ST EL CAJON, CA 92019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $46 | $830 | 4.34% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | $0 | $625 | 3.27% |
| GRUNSKY INSURANCE SERVICES INC3 Filed as: GRUNSKY INSURANCE SERVICES, INC. | 2007-A OPPORTUNITY DRIVE, SUITE 2 ROSEVILLE, CA 95678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | $0 | $392 | 2.05% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $19 | $129 | 0.67% |
| FAS-EBA INC3 | 4371 LATHAM STREET RIVERSIDE, CA 92501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.57% |
| MICHAEL MINNEY3 Filed as: MICHAEL JAY MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $9 | $74 | 0.39% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $6 | $59 | 0.31% |
| HILLENBRAND INSURANCE SERVICES3 | 2267 LAVA RIDGE COURT ROSEVILLE, CA 95661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.30% |
| WILLIAM L WISER3 | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.08% |
| DANA MARIE MOWATT3 | 2371 S WESTERN AVE TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.06% |
| WARREN G BENDER CO3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | UNIMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.87% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | UNIMERICA LIFE INSURANCE COMPANY | $502 | $0 | $502 | 2.73% |
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 | 101 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 95 | $637K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 95 | $637K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 95 | $637K |
| Life insurance | UNIMERICA LIFE INSURANCE COMPANY | 103 | $18K |
| Long-term disability | UNIMERICA LIFE INSURANCE COMPANY | 103 | $18K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 95 | $637K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.