| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC | 1520 BRIDGEGATE DR STE 108 DIAMOND BAR, CA 91765 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 8.53% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.27% |
| BENEFITS EXCHANGE ALLIANCE3 Filed as: BENEFITS EXCHANGE ALLIANCE INC | 23716 BIRTCHER DR LAKE FOREST, CA 926301771 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $438 | $438 | 0.19% |
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $135 | $6K | 11.11% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS | 1520 BRIDGE GATE DRIVE DIAMOND BAR, CA 91765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.65% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $671 | $560 | $1K | 2.24% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $228 | $313 | 0.57% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $9 | $60 | 0.11% |
| SUSIE A ESTRADA3 | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.04% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC | 1520 BRIDGEGATE DR STE 108 DIAMOND BAR, CA 91765 | SAFEGUARD HEALTH PLANS, INC. CALIFORNIA CORPORATION | $1K | $0 | $1K | 8.49% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | SAFEGUARD HEALTH PLANS, INC. CALIFORNIA CORPORATION | $735 | $0 | $735 | 4.25% |
| BENEFIT EXCHANGES ALLIANCE, INC.3 Filed as: BENEFIT EXCHANGES ALLIANCE INC | 23716 BIRTCHER DR LAKE FOREST, CA 92630 | SAFEGUARD HEALTH PLANS, INC. CALIFORNIA CORPORATION | $0 | $46 | $46 | 0.27% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.53% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC. | DWA DW INS SERVICES 1520 BRIDGEGATE DR, SUITE 108 DIAMOND BAR, CA 91765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $600 | $0 | $600 | 6.23% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $500 | $500 | 5.19% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 513 | $247K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 557 | $26K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $10K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 889 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.