| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST TWENTIETH AVENUE SAN MATEO, CA 94403 | PREMIER ACCESS INSURANCE COMPANY | $5K | $0 | $5K | 4.97% |
| ANDREINI AND COMPANY3 | 220 WEST TWENTIETH AVENUE SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.34% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 80 SOUTH LAKE AVENUE, SUITE 600 PASADENA, CA 91101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.39% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 3171 PINERO COURT SPARKS, NV 89436 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $975 | $0 | $975 | 2.15% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 402 WEST LOCKHART LANE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $760 | $0 | $760 | 1.67% |
| LYNN MENDOZA3 Filed as: LYNN MARIE MENDOZA & OTHER AGENTS | 1308 WEST 13TH AVENUE YUMA, AZ 85364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $624 | $65 | $689 | 1.52% |
| WENDY SUE GERSHOW3 | 3217 STAR AVENUE OAKLAND, CA 94619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $371 | $3 | $374 | 0.82% |
| SALVADORE HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 0.67% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 270 | $96K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 270 | $96K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $45K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $45K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 50 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.