| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | BLUE CROSS OF CALIFORNIA | $37K | $0 | $37K | 5.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | BLUE CROSS OF CALIFORNIA | $6K | $0 | $6K | 0.86% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2 | $3K | 5.69% |
| KRISTIN LEASE3 | 3890 HOWARD AVENUE LOS ANGELES, CA 90720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $900 | $2K | $3K | 5.56% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $48 | $1K | 2.67% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $691 | $235 | $926 | 1.99% |
| DANA MARIE MOWATT3 Filed as: DANA MARIE MOWATT & OTHER AGENTS | 23701 SOUTH WESTERN AVENUE SPC 112 TORRANCE, CA 90501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $732 | $73 | $805 | 1.73% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $496 | $196 | $692 | 1.49% |
| MEGAREINS INC3 Filed as: MEGAREINS, INC. | PO BOX 18224 TAMPA, FL 33679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $363 | $0 | $363 | 0.78% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $623 | $6K | 12.83% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | PO BOX 5086 OXNARD, CA 93031 | STARMOUNT LIFE INSURANCE COMPANY | $918 | $115 | $1K | 10.48% |
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 | 60 | 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) | 60 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 116 | $678K |
| Dental | BLUE CROSS OF CALIFORNIA | 116 | $678K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 53 | $10K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 60 | $92K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 60 | $92K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 60 | $46K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 116 | $678K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 60 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.