| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS | 1520 BRIDGEGATE DRIVE SUITE 108 DIAMOND BAR, CA 91765 | GRANULAR INSURANCE COMPANY | $49K | $0 | $49K | 9.75% |
| BROKERSIS3 | 18004 SKY PARK CIRCLE SUITE 210 IRVINE, CA 92614 | GRANULAR INSURANCE COMPANY | $26K | $0 | $26K | 5.25% |
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $960 | $20K | 22.96% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS | 1520 BRIDGE GATE DRIVE DIAMOND BAR, CA 91765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $315 | $8K | 9.53% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 5.55% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $734 | $1K | 1.28% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $93 | $447 | 0.53% |
| SUSIE A ESTRADA3 | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $9 | $132 | 0.16% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS INC. | 23716 BIRTCHER DR LAKE FOREST, CA 92630 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.00% |
| BENEFITS MATCHMAKING LLC3 | 23716 BIRTCHER DR LAKE FOREST, CA 926301771 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.00% |
| MEGAN R SILVERMAN3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.00% |
| 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 | $2K | $0 | $2K | 6.00% |
| DAVID J MCCLELLAN3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC. | 1520 BRIDGEGATE DR SUITE 108 DIAMOND BAR, CA 917653937 | UNITED HEALTHCARE INSURANCE COMPANY | $34 | $0 | $34 | 0.13% |
| SIMA BERNER REID3 | 3765 ROSE AVE LONG BEACH, CA 908074332 | UNITED HEALTHCARE INSURANCE COMPANY | $18 | $0 | $18 | 0.07% |
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 | 451 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GRANULAR INSURANCE COMPANY | 449 | $502K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 412 | $68K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 544 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 73 | $32K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 449 | $502K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 997 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.