| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONE | — | DELTA DENTAL INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| NONE | — | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| CYNTHIA L. MOHON4 | 15 N. MICHIGAN ST. REDLANDS, CA 92373 | PRE-PAID LEGAL SERVICES, INC. | $429 | — | $429 | 5.77% |
| DEBRA OTTEN4 Filed as: DEBRA L. OTTEN | 15910 BAYSIDE POINTE. W. APT 902 FORT MYERS, FL 33908 | PRE-PAID LEGAL SERVICES, INC. | $341 | — | $341 | 4.59% |
| PAM MROZ4 | 6770 BRADFORD CT CHINO, CA 91710 | PRE-PAID LEGAL SERVICES, INC. | $55 | — | $55 | 0.74% |
| NANCY O. LEWIS4 | 2387 GRACE ST. RIVERSIDE, CA 92504 | PRE-PAID LEGAL SERVICES, INC. | $28 | — | $28 | 0.38% |
| NONE | — | STANDARD INSURANCE COMPANY | — | — | $0 | — |
| GLEN E MILLER4 | 8566 FALLBROOK CIRCLE HUNTINGTON BEACH, CA 92646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | — | $10K | — |
| GROUP SUPPLEMENTAL BENEFITS INC4 Filed as: GROUP SUPPLEMENTAL BENEFITS, INC | 31805 TEMECULA PARKWY #288 TEMECULA, CA 92592 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | — |
| MICHELLE ANN REESE4 | 9000 SPRING RD COLTON, CA 92324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $893 | — | $893 | — |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: WILLIAM BROWN | 32997 CASALA CT TEMECULA, CA 92592 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $333 | — | $333 | — |
| JANE CONKLIN MILLER4 | 8566 FALLBROOK CIRCLE HUNTINGTON BEACH, CA 92646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $286 | — | $286 | — |
| ADVANCED BENEFIT CENTER, INC. Filed as: ADVANCED BENEFIT CENTER INC | PO BOX 844 LA HABRA, CA 90633 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | — |
| ERIC TERRAZAS4 | 2101 IPSEN WAY PLACENTIA, CA 92870 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | — |
| SANDRA MARIE MARINELLI4 | 26520 KEISSEL ROAD COLTON, CA 92324 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | — |
| BOB BLAKE & ASSOCIATES INC4 | BOB BLAKE AND ASSOCIATES LONG BEACH, CA 90802 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| ANDRE CRENSHAW4 | 19605 TALISMAN STREET TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | — |
| MICHAEL F FAHEY III | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OCEA EIN 33-0660405 PARTY IN INTEREST | Contract Administrator; Direct payment from the plan Service code 13 | — | $780K |
| DELTA DENTAL EIN 94-1461312 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $362K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $158K |
| DIMARTINO ASSOCIATES EIN 91-0378940 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $99K |
| HEMMING MORSE EIN 30-0702322 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $21K |
| HIGHLAND CAPITAL ADVISORS LLC EIN 20-4284376 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
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 | 12,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,314 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 14,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 13,762 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 24,000 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 13,344 | $706K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 14,608 | $2.0M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES, INC. | 92 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,000 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.