| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | AETNA LIFE INSURANCE CO. | $55K | — | $55K | 4.85% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | AETNA HEALTH, INC. | $42K | — | $42K | 5.03% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE COMPANY | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| JOSEPH RUBINO3 | 2490 GROSSMONT COLLEGE DRIVE EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.64% |
| GRUNSKY INSURANCE SERVICES INC3 Filed as: GRUNSKY INSURANCE SERVICES, INC. | 411 DEINHARD LANE MCCALL, ID 83638 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $942 | — | $942 | 2.87% |
| ROBERT ELI WHITNEY3 | 28519 N 123RD LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | — | $879 | 2.68% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $240 | $126 | $366 | 1.11% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $68 | $248 | 0.75% |
| MICHAEL MINNEY3 Filed as: MICHAEL JAY MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $39 | $240 | 0.73% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 10769 WOODSIDE AVE SANTEE, CA 92071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.21% |
| WILLIAM L WISER3 | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE COMPANY | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE | $980 | — | $980 | 9.85% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE COMPANY | 6085 DOUGLAS BLVD STE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $733 | — | $733 | 15.01% |
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 | 148 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 230 | $1.1M |
| Dental | AETNA LIFE INSURANCE CO. | 230 | $1.1M |
| Vision | EYEMED VISION CARE / FIDELITY SECURITY LIFE INSURANCE | 181 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $11K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 148 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.