| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MGW SERVICES LLC3 Filed as: MGW SERVICES , LLC | 26060 ACERO MISSION VIEJO, CA 92691 | BLUE CROSS OF CALIFORNIA | $47K | $0 | $47K | 3.16% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $28K | $28K | 1.85% |
| M VEGA INSURANCE SERVICES, INC.3 | PO BOX 710324 SAN DIEGO, CA 92171 | BLUE CROSS OF CALIFORNIA | $22K | $0 | $22K | 1.46% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES , LLC | 26060 ACERO MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.40% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $2K | $5K | 5.53% |
| M VEGA INSURANCE SERVICES, INC.3 | PO BOX 710324 SAN DIEGO, CA 92171 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.55% |
| MARY C VEGA3 Filed as: MARY C. VEGA | 2771 WEST STEWART AVENUE BOISE, ID 83702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.59% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $331 | $3K | 6.10% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES , LLC | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $220 | $2K | 3.48% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA MARIE TIERCE & OTHER AGENTS | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $121 | $888 | 1.76% |
| CONCIERGE BENEFITS & INSURANCE SERV3 Filed as: CONCIERGE BENEFITS & INS. SVCS. | 925 NORTH VULCAN AVENUE APARTMENT 106 ENCINITAS, CA 92024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $750 | $0 | $750 | 1.49% |
| ELLEN CARRILLO3 | 8925 BRAIDED YARN AVENUE LAS VEGAS, NV 89149 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $304 | $375 | $679 | 1.35% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET, SUITE 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $194 | $337 | $531 | 1.06% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $441 | $2K | 14.72% |
| MARY C VEGA3 Filed as: MARY C. VEGA | 2771 WEST STEWART AVENUE BOISE, ID 83702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 13.01% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES , LLC | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $149 | $22 | $171 | 1.01% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENF & OTHER AGENTS | 1301 DOVE STREET, SUITE 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $51 | $137 | 0.81% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L. WARE, LLC | 233 WEST 21ST STREET NEW YORK, NY 10011 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.70% |
| CONCIERGE BENEFITS & INSURANCE SERV3 Filed as: CONCIERGE BENEFITS & INS. SVCS. | 925 NORTH VULCAN AVENUE APARTMENT 106 ENCINITAS, CA 92024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.39% |
| KARLA ALEXANDER3 | 3524 OBERON LANE NORTH LAS VEGAS, NV 89032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 268 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 292 | $86K |
| Vision | BLUE CROSS OF CALIFORNIA | 268 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 268 | $1.5M |
| Short-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 268 | $1.5M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 268 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 268 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.