| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN AND ASSOCIATES INCORPORATED | 3171 PINERO COURT SPARKS, NV 89436 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 8.20% |
| DANIEL V. PHILPOTT AND OTHER AGENTS3 | 21 WEST LAUREL DRIVE, SUITE 67 SALINAS, CA 93906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $625 | $10K | 6.81% |
| PCF INSURANCE SERVICES OF THE WEST3 | UNKNOWN LINDON, UT 84042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 6.11% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN ROBERT LIOYD | 6234 KINGS PEAK DRIVE EI DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $738 | $2K | $3K | 2.08% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $471 | $3K | 2.06% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 Filed as: NIKSSARIAN INSURANCE SERVCIES, INC. | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.59% |
| MICHAEL LESLIE LAROCO3 | 1283 MESA STREET SOLEDAD, CA 93960 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $10 | $2K | 1.49% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVS OF THE WEST, LLC | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 9.40% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | PO BOX 1189 SAN LUIS OBISPO, CA 93406 | PRINCIPAL LIFE INSURANCE COMPANY | $832 | $0 | $832 | 0.65% |
| ANDREINI & COMPANY3 | 4500 SOUTH LAKESHORE DRIVE SUITE 485 TEMPE, CA 85282 | STANDARD INSURANCE COMPANY | $966 | $0 | $966 | 8.31% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE AGENCY | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93406 | STANDARD INSURANCE COMPANY | $129 | $0 | $129 | 1.11% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SRVS OF THE WEST, LLC | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | STANDARD INSURANCE COMPANY | $114 | $0 | $114 | 0.98% |
| ANDREINI & COMPANY5 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | ACCESS DENTAL SERVICES, LLC | $178 | $0 | $178 | 4.08% |
| NIKSSARIAN INSURANCE SERVICES, INC.5 | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | ACCESS DENTAL SERVICES, LLC | $9 | $0 | $9 | 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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $132K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 283 | $127K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 262 | $152K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 91 | $140K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 262 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
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.