| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. LONG BEACH, CA 90807 | AETNA LIFE INSURANCE CO. | $0 | $63K | $63K | 4.81% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BLVD. SUITE 500 LONG BEACH, CA 90807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $22K | 16.34% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. LONG BEACH, CA 90807 | AETNA HEALTH, INC. | $0 | $6K | $6K | 5.18% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BLVD. LONG BEACH, CA 90807 | DELTA DENTAL INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| LORI LAINE3 | 35837 CARTER STREET YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $388 | $2K | 14.25% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $642 | $205 | $847 | 6.60% |
| CAROLE J CASELLA3 | 106 WATERVIEW DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $301 | $819 | 6.39% |
| MARTHA ANGELICA HILL ESTRADA3 | 2991 ESCALA CIRCLE SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $135 | $506 | 3.95% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $70 | $492 | 3.84% |
| LUCAS GARTENMAYER3 | 39051 12TH AVE ZEPHYRHILLS, FL 33542 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $56 | $401 | 3.13% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 2150 49TH STREET N, SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $89 | $242 | 1.89% |
| ANTHONY GLENN WELLS3 Filed as: ANTHONY GLEN WELLS | 5809 MARK TWAIN AVE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $0 | $187 | 1.46% |
| CREATIVE BENEFIT CONSULTANTS INC3 Filed as: CREATIVE BENEFIT CONSULTANTS INC. | 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $80 | $184 | 1.43% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $74 | $129 | 1.01% |
| JOHN D EVANGELISTA3 | 151 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $74 | $117 | 0.91% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $42 | $82 | 0.64% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $31 | $45 | 0.35% |
| JOHN ANTHONY CARREIRO III3 | 3441 3RD PALM POINT ST PETE BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $16 | $42 | 0.33% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $22 | $36 | 0.28% |
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 | 200 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 199 | $1.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 99 | $99K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $138K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $138K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.