| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5003 SAN RAMON, CA 94583 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 6.94% |
| JOCELYN RODRIGUEZ3 | 4801 WEST FIRST STREET SANTA ANA, CA 92703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $570 | $0 | $570 | 2.61% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEERE AVENUE SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $388 | $2 | $390 | 1.79% |
| SUZETTE KARSTING3 | 2400 MAIN STREET IRVINE, CA 92614 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 1.59% |
| MJ INSURANCE3 Filed as: MIKE MCCORMICK AND VARIOUS AGENTS | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $0 | $173 | 0.79% |
| CARLOS MENDEZ3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $6 | $131 | 0.60% |
| SUMMER ROSE EQUIARTA3 | 925 POWELL COURT COSTA MESA, CA 92626 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.35% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
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.