| 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 | $243K | $50K | $293K | 5.23% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVE., SUITE A-2 COSTA MESA, CA 92626 | CIGNA HEALTHCARE OF CALIFORNIA | $82K | — | $82K | 2.93% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER AVE., SUITE A-2 COSTA MESA, CA 92626 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 6.69% |
| BARBARA LEE COLE3 | 675 PLACENTIA AVE., SUITE 250 BREA, CA 92821 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 1.48% |
| DLD COMPANY | 17712 MITCHELL NORTH IRVINE, CA 92614 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 13.44% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 6.97% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.00% |
| MIKE MCCORMICK3 | 348 S. STRONGS COURT SALT LAKE CITY, UT 84102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.79% |
| 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% |
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 | 889 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,952 | $8.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,952 | $5.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,952 | $5.6M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,295 | $608K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,295 | $620K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,295 | $606K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,952 | $5.6M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,295 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,952 | — |
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."
No prospect flags tripped on this filing.