| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET, FLOOR 12 SAN FRANCISCO, CA 94111 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 7.97% |
| DAVID A. RACKLIFFE3 Filed as: DAVID A RACKLIFFE | 28450 EVENING BREEZE DR YORBALINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $901 | $80 | $981 | 3.30% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAHEY LII | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | $170 | $937 | 3.16% |
| STACY BRYANT3 Filed as: STACY A BRYANT | 6285 E SPRING STREET LONG BEACH, CA 90808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | — | $722 | 2.43% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $661 | $12 | $673 | 2.27% |
| SHERRY GROVER3 | 31103 RANCHO VIEJO RD SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 0.59% |
| BRAD SCOFFIN3 | 7931 TS AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.17% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.09% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $319K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $319K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $319K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 13 | $30K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $319K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 379 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
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.