| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPEAKE INSURANCE SERVICES, INC3 Filed as: SPEAKE INSURANCE SERVICES, INC. | 1791 THIRD STREET NORCO, CA 92860 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 22.26% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DRIVE EAST BRADENTON, FL 34203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 19.36% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$203 | $0 | -$203 | -0.73% |
| ONE BENEFIT SOURCE3 Filed as: ONE BENEFIT SOURCE LLC | 1772 SUNSET VIEW DRIVE TRABUCO CANYON, CA 92679 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | $28 | $365 | 7.70% |
| SPEAKE INSURANCE SERVICES, INC3 Filed as: SPEAKE INSURANCE SERVICES INC. | 1791 THIRD STREET NORCO, CA 92860 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $242 | $0 | $242 | 5.10% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1 | $0 | -$1 | -0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$1 | $0 | -$1 | -0.02% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$7 | $0 | -$7 | -0.15% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DRIVE E BRADENTON, FL 34203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$5K | $0 | -$5K | -109.96% |
| ONE BENEFIT SOURCE3 Filed as: ONE BENEFIT SOURCE LLC | 1772 SUNSET VIEW DRIVE TRABUCO CANYON, CA 92679 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $696 | $49 | $745 | 17.54% |
| THE ZIFF AGENCY, LLC3 | 2118 60TH DRIVE E BRADENTON, FL 34203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 5.46% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 1.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCES. | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $1 | — | $1 | — |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 312 | $0 |
| Dental | DELTA DENTAL OF WASHINGTON | 312 | $0 |
| Vision | VISION SERVICE PLAN | 312 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $28K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 312 | $0 |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.