| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 44 MONTGOMERY ST SUITE 1950 SAN FRANCISCO, CA 94104 | BLUE CROSS OF CALIFORNIA | $388 | — | $388 | 2.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | BLUE CROSS OF CALIFORNIA | $370 | — | $370 | 2.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | STE 400 200 GLENRIDGE PT PKWY ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.98% |
| SIMA REID3 | STE 245 10805 HOLDER ST CYPRESS, CA 90630 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $757 | — | $757 | 6.02% |
| REID GROUP ENTERPRISES, INC.3 Filed as: REID GROUP ENTERPRISES INC | 10805 HOLDER STE 245 CYPRESS, CA 90635 | TRANSAMERICA LIFE INSURANCE COMPANY | $526 | — | $526 | 14.22% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEW HALL, CA 91321 | TRANSAMERICA LIFE INSURANCE COMPANY | $469 | — | $469 | 12.68% |
| DAWN MCFARLAND3 Filed as: DAWN MCFARLAND DBA | M AND M BENEFIT SOLUTIONS INS SERVC 19509 HAYNES ST RESEDA, CA 91335 | TRANSAMERICA LIFE INSURANCE COMPANY | $47 | — | $47 | 1.27% |
| NATIONAL VOLUNTARY BENEFITS INC3 | 19646 N 92ND AVE PEORIA, AZ 85382 | TRANSAMERICA LIFE INSURANCE COMPANY | $8 | — | $8 | 0.22% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 150 | $45K |
| Vision | RELIANCE MATRIX | 347 | $52K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 415 | $60K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 281 | $39K |
| Other(4 contracts, 4 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 415 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.