| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | $41K | — | $41K | 4.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $163 | $2K | 10.86% |
| KRISTIN LEASE3 | 3645 NORTH PIONEER BOULEVARD LONG BEACH, CA 90808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.37% |
| CARLOS MENDEZ3 | 1936 EAST DE ERA AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $202 | $281 | $483 | 3.22% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEERE AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $241 | $478 | 3.19% |
| MICHAEL JAMES LANCASTER3 Filed as: MICHAEL LANCASTER AND OTHER AGENTS | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $38 | $375 | 2.50% |
| EDITH VIEYRA3 | 1432 EAST MARKET STREET LONG BEACH, CA 90805 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $71 | $314 | 2.09% |
| SUMMER ROSE EQUIARTA3 | 2143 FIG STREET SIMI VALLEY, CA 93063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $5 | $115 | 0.77% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 234 | $862K |
| Dental | BLUE CROSS OF CALIFORNIA | 234 | $862K |
| Vision | BLUE CROSS OF CALIFORNIA | 234 | $862K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 234 | $862K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 234 | $862K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $877K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
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.