| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | BLUE CROSS OF CALIFORNIA | $61K | $2K | $63K | 5.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | $0 | $1K | 9.18% |
| SUMMER ROSE EQUIARTA3 | 2143 FIG STREET SIMI VALLEY, CA 93063 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $883 | $0 | $883 | 6.76% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEER AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $343 | $343 | $686 | 5.25% |
| CARLOS MENDEZ3 | 1936 EAST DEERE AVENUE SUITE 215 SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $143 | $274 | $417 | 3.19% |
| KAYLIE CASTILLO3 Filed as: KAYLIE MARIE CASTILLO | 11121 LANGLEY DRIVE LOS ALAMITOS, CA 90720 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $160 | $0 | $160 | 1.22% |
| MJ INSURANCE3 Filed as: MICHAEL LANCASTER VARIOUS AGENTS | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $103 | $5 | $108 | 0.83% |
| EDITH VIEYRA3 | 1432 EAST MARKET STREET LONG BEACH, CA 90805 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $72 | $0 | $72 | 0.55% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 226 | $1.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 226 | $1.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 226 | $1.2M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 226 | $1.2M |
| Other | BLUE CROSS OF CALIFORNIA | 226 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.