| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $293K | — | $293K | 4.60% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | CIGNA HEALTHCARE OF CALIFORNIA | $96K | — | $96K | 2.77% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 5.29% |
| CENTENNIAL GROUP BENEFITS3 | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.63% |
| DLD COMPANY3 | 17712 MITCHELL NORTH IRVINE, CA 92614 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| BARBARA LEE COLE3 | 675 PLACENTIA AVE., SUITE 250 BREA, CA 92821 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 1.53% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 4.57% |
| DAVID A. RACKLIFFE3 | 300 HEROIT COURT SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.91% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.74% |
| G SCOTT COOKE3 Filed as: SCOTT C. CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.40% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.29% |
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 | 880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 895 | 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 | 2,010 | $9.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,010 | $6.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,010 | $6.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,226 | $728K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,226 | $737K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,226 | $726K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,010 | $6.4M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,226 | $783K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,010 | — |
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.