| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $0 | $61K | 5.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 12.61% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEERE AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 8.82% |
| SUZETTE KARSTING3 | 2400 MAIN STREET IRVINE, CA 92614 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $957 | $0 | $957 | 3.51% |
| CARLOS MENDEZ3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $459 | $32 | $491 | 1.80% |
| SUMMER ROSE EQUIARTA3 | 2143 FIG STREET SIMI VALLEY, CA 93063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $0 | $415 | 1.52% |
| MICHAEL JAMES LANCASTER3 Filed as: MICHAEL LANCASTER AND OTHER AGENTS | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 0.55% |
| MICK MCCORMICK3 | 7 MONESERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.30% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.