| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | BLUE CROSS OF CALIFORNIA | $70K | $0 | $70K | 2.92% |
| MGW SERVICES LLC3 | 24301 MUIRLANDS BOULEVARD SUITE V330 LAKE FOREST, CA 92630 | BLUE CROSS OF CALIFORNIA | $50K | $0 | $50K | 2.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $48K | $48K | 2.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $10 | $6K | 4.56% |
| MGW INSURANCE SERVICES LLC3 | 24301 MUIRLANDS BOULEVARD SUITE V330 LAKE FOREST, CA 92630 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.80% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $750 | $2K | 1.70% |
| MGW SERVICES LLC3 | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 11.53% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1772 SUNSET VIEW DRIVE TRABUCO CANYON, CA 92679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 2.97% |
| CONCIERGE BENEFITS & INS. SERVICES3 | 3535 LINDA VISTA DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.46% |
| DOMINIC J. SANTANA AND OTHER AGENTS3 | 2729 SOUTH CENTER STREET SANTA ANA, CA 92704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $45 | $2K | 2.34% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $526 | $2K | 1.75% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.41% |
| MARY C VEGA3 Filed as: MARY C. VEGA | 3214 SOUTH HOPES WELL WAY BOISE, ID 83716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.23% |
| MGW SERVICES LLC3 | 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 15.22% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1772 SUNSET VIEW DRIVE TRABUCO CANYON, CA 92679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $607 | $1K | $2K | 4.08% |
| CONCIERGE BENEFITS & INS. SERVICES3 | 3535 LINDA VISTA DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.05% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $661 | $360 | $1K | 2.43% |
| MJ INSURANCE3 Filed as: MARY C. VEGA AND VARIOUS AGENTS | 3214 SOUTH HOPES WELL WAY BOISE, ID 83716 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $880 | $64 | $944 | 2.25% |
| DOMINIC JUSTIN SANTANA3 | 2729 SOUTH CENTER STREET SANTA ANA, CA 92704 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 1.95% |
| ACRIALPS LLC3 | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $514 | $0 | $514 | 1.22% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $761 | $3K | 11.40% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 6.06% |
| MGW INSURANCE SERVICES LLC3 | 24301 MUIRLANDS BOULEVARD SUITE V330 LAKE FOREST, CA 92630 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $931 | $0 | $931 | 3.99% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 397 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $127K |
| Vision | BLUE CROSS OF CALIFORNIA | 397 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 333 | $117K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 75 | $94K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 333 | $23K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 397 | $2.4M |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 397 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.