| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MGW SERVICES LLC3 Filed as: MGW SERVICES, LLC. | 24301 MUIRLANDS BOULEVARD SUITE V330 LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $94K | $0 | $94K | 5.34% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $38K | $38K | 2.15% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES, LLC. | 26060 ACERO MISSION VIEJO, CA 92691 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.15% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES, LLC. | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $1K | $14K | 16.98% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC AND OTHER AGENTS | C/O ACRIALPS LLC GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $249 | $5K | 5.43% |
| 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 | $2K | $3K | $4K | 5.02% |
| CONCIERGE BENEFITS & INSURANCE SERV3 Filed as: CONCIERGE BENEFITS & INSURANCE SVCS | 3535 LINDA VISTA DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $49 | $3K | 3.35% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.14% |
| MARY C VEGA3 | 916 EAST WRIGHT STREET BOISE, ID 83706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.01% |
| KRISTINA-MARIE KARINA HARTLEY3 | 2112 RED SAGE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.79% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES, LLC. | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $407 | $6K | 16.18% |
| ALICIA FRANKLIN3 Filed as: ALICIA FRANKLIN AND OTHER AGENTS | 5799 ESTATES DRIVE OAKLAND, CA 94618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $189 | $2K | 6.22% |
| 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 | $503 | $904 | $1K | 4.05% |
| CONCIERGE BENEFITS & INSURANCE SERV3 Filed as: CONCIERGE BENEFITS & INSURANCE SVCS | 3535 LINDA VISTA DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $23 | $1K | 3.82% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $713 | $451 | $1K | 3.35% |
| ACRIALPS LLC3 Filed as: ACRIALPS, LLC. | C/O ACRIALPS LLC GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $747 | $66 | $813 | 2.34% |
| MARY C VEGA3 | 916 EAST WRIGHT STREET BOISE, ID 83706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $585 | $0 | $585 | 1.69% |
| MGW SERVICES LLC3 Filed as: MGW SERVICES, LLC. | 24301 MUIRLANDS BOULEVARD SUITE V330 LAKE FOREST, CA 92630 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.12% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 8.21% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 274 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 345 | $104K |
| Vision | BLUE CROSS OF CALIFORNIA | 274 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 322 | $112K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 88 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 322 | $27K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 274 | $1.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 322 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.