| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVE., SUITE A-2 COSTA MESA, CA 92626 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $201K | $50K | $251K | 5.39% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVE., SUITE A-2 COSTA MESA, CA 92626 | CIGNA HEALTHCARE OF CALIFORNIA | $95K | — | $95K | 3.50% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVE., SUITE A-2 COSTA MESA, CA 92626 | METROPOLITAN LIFE INSURANCE COMPANY | $100K | — | $100K | 5.69% |
| METTHEW HANSON3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 0.34% |
| BARBARA LEE COLE3 | 675 PLACENTIA AVE., SUITE 250 BREA, CA 92821 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 1.51% |
| BARBARA LEE COLE3 | 675 PLACENTIA AVE., SUITE 250 BREA, CA 92821 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.98% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 7.60% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 1.10% |
| MIKE MCCORMICK3 | 348 S. STRONGS COURT SALT LAKE CITY, UT 84102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.84% |
| G SCOTT COOKE3 Filed as: SCOTT C. CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.42% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.31% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVE., SUITE A-2 COSTA MESA, CA 92626 | BLUE CROSS OF CALIFORNIA | $21K | — | $21K | — |
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 | 878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,041 | $7.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $1.8M |
| Short-term disability(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $1.8M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,041 | $4.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 878 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,041 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.