| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | — | $71K | 5.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.02% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $14K | 9.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $10K | 6.72% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | 34.49% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET SECOND FLOOR BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $2K | $9K | 26.96% |
| JIMMY CHUON TCHEN3 | 15904 KENNARD STREET HACIENDA HEIGHTS, CA 91745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 13.92% |
| BENEFITS COORDINATOR3 | 10741 LA JARA STREET CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 11.43% |
| TSAIYEN CHEN3 | 368 RIVER CROSS ROAD SPANISH FORK, UT 84660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.23% |
| YOLO ENTERPRISE INC3 | 5460 EAST EL PRAQUE STREET LONG BEACH, CA 90815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $241 | $9 | $250 | 0.76% |
| JOSEPH L. AGAGON3 Filed as: JOSEPH LYLE AGAGON | 3999 LEWIS AVENUE LONG BEACH, CA 90807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $54 | $207 | 0.63% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $16 | $69 | 0.21% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $156K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $156K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.