| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.85% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.14% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN AND ASSOCIATES, INC. | 3171 PINERO COURT SPARKS, NV 89436 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $40 | $4K | 7.22% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI AND COMPANCY | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 6.43% |
| MJ INSURANCE3 Filed as: JOSEPH SILVA AND VARIOUS AGENTS | 3509 WEST COLONIAL AVENUE VISALIA, CA 93277 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $593 | $3K | 4.54% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 2290 HUNTINGTON DRIVE SAN MARINO, CA 91108 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.84% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $727 | $129 | $856 | 1.44% |
| LUIS ERNESTO PEREZ2 Filed as: LUIS PEREZ BENEFIT INS. SOLUTIONS | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $619 | $208 | $827 | 1.40% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 402 WEST LOCKHART LANE MERIDIAN, ID 83646 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $799 | $0 | $799 | 1.35% |
| ANDREINI AND COMPANY3 | 220 WEST TWENTIETH AVENUE SAN MATEO, CA 94403 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 9.73% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | PREMIER ACCESS INSURANCE COMPANY | $59 | $0 | $59 | 0.47% |
| QUINTES ADMIN. AND INS. SERVICES3 | 1188 PADRE DRIVE, SUITE 200 SALINAS, CA 93901 | STANDARD INSURANCE COMPANY | $644 | $0 | $644 | 7.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $139 | $0 | $139 | 1.70% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 | 24551 SILVER CLOUD COURT, SUITE 101 MONTEREY, CA 93940 | STANDARD INSURANCE COMPANY | $133 | $0 | $133 | 1.63% |
| ANDREINI AND COMPANY3 | 220 WEST TWENTIETH AVENUE SAN MATEO, CA 94403 | PREMIER ACCESS INSURANCE COMPANY | $324 | $0 | $324 | 19.40% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 | 24551 SILVER CLOUD COURT, SUITE 101 MONTEREY, CA 93940 | STANDARD INSURANCE COMPANY | $101 | $0 | $101 | 15.03% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $115K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $104K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 208 | $68K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 81 | $59K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 208 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.