| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 4000 MACARTHUR BOULEVARD, SUITE 550 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $4K | $9K | 3.85% |
| STACY BRYANT3 Filed as: STACY A. BRYANT | 3291 LAMA AVENUE LONG BEACH, CA 90808 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 2.83% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKRIDGE ADVISORS INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.07% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.63% |
| DAVID A. RACKLIFFE3 Filed as: DAVID A RACKLIFFE | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $57 | $1K | 4.36% |
| MICHAEL F FAHEY III3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $752 | $225 | $977 | 3.56% |
| STACY BRYANT3 Filed as: STACY A BRYANT | 6285 EAST SPRING STREET LONG BEACH, CA 90808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $620 | — | $620 | 2.26% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $410 | $1 | $411 | 1.50% |
| SHERRY GROVER3 | 31103 RANCHO VIEJO ROAD SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.56% |
| BRAD SCOFFIN3 | 7931 T AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.18% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.10% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $239K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $239K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $239K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $27K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $239K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 324 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.