| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BOULEVARD SUITE 500 LONG BEACH, CA 87456 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 0.86% |
| LORI LAINE3 | 1218 NORTH LINCOLN STREET REDLANDS, CA 92374 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 18.89% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BOULEVARD SUITE 500 LONG BEACH, CA 87456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 12.41% |
| CAROLE J CASELLA3 Filed as: CAROLE J. CASELLA AND OTHER AGENTS | 106 WATERVIEW DRIVE PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $762 | $4K | 9.66% |
| CHARLES L CRANE AGENCY CO3 Filed as: CHARLES L. CRANE AGENCY COMPANY | 100 NORTH BROADWAY SAINT LOUIS, MO 63102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.96% |
| ROGER J SASS JR3 Filed as: ROGER J. SASS, JR. | 5783 PARKWALK DRIVE BOYNTON BEACH, FL 33472 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $45 | $2K | 5.84% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $599 | $2K | 3.59% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $570 | $287 | $857 | 2.05% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 319 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $243 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $243 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 319 | $243 |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $1.6M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 319 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.