| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMAR BREIK ALBIN3 | 41572 VALOR DRIVE MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 4.38% |
| JULIE ANNE KINGHORN3 | PO BOX 211236 CHULA VISTA, CA 91914 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 4.17% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $943 | $3K | 2.33% |
| PJNP INC3 Filed as: PJNP | PO BOX 27704 SAN DIEGO, CA 92198 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $415 | $3K | 2.26% |
| CRAIG F KINGHORN3 Filed as: CRAIG F KINGBORN | PO BOX 211236 CHULA VISTA, CA 91921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.79% |
| STEPHEN WHITE3 | 615 SOUTH TWIN OAKS VALLEY ROAD SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.74% |
| SAMANTHA JACOBS3 | 5056 PLAZA PROMENADE SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $87 | $2K | 1.67% |
| ERIC W JONES3 | 3 NW MAIN STREET BLACKFOOT, ID 83221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $282 | $2K | 1.23% |
| LOIS FLEENER3 | 3196 IVORY DRIVE IDAHO FALLS, ID 83401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.17% |
| LORI LAINE3 | 34676 CONADRIA AVENUE YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $154 | $233 | 0.16% |
| STACI MARIE FERRARIS3 | 28912 GLEN ROCK PLACE HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.16% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVNEUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $12 | $98 | 0.07% |
| FEATHER GROUP LLC3 | 5369 N ISLA AVENUE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| ERIC CHRISTOPHER LAINE3 | 34676 CONADRIA AVENUE YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $40 | $45 | 0.03% |
| RALPH F REA JR3 Filed as: RALPH REA JR | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.02% |
| SCOTT CASTEEL3 | 1450 W JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| MICHAEL MINNEY3 | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.00% |
| CRAIG F KINGHORN3 Filed as: CRAIG F KINGBORN | PO BOX 211236 CHULA VISTA, CA 91921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
| CRAIG F KINGHORN3 Filed as: CRAIG F KINGBORN | PO BOX 211236 CHULA VISTA, CA 91921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRIX BENEFIT ADMINISTRATORS, INC EIN 77-0823382 THIRD PARTY ADMIN | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | PO BOX 212199 CHULA VISTA, CA 91921 | $178K |
| KINGHORN & ASSOCIATES NONE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | 817 BOW SPRIT ROAD SUITE 200 CHULA VISTA, CA 91914 | $80K |
| LLME EIN 33-0690020 CPA | Accounting (including auditing) Service code 10 | — | $20K |
| AMERICAN HEALTH HOLDING UR, PRE-CERT, AND TAN | Other services Service code 49 | 7400 W CAMPUS RD F510 NEW ALBANY, OH 43054 | $10K |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $144K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $144K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $144K |
| Prescription drug | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $144K |
| Stop-loss / reinsurancereinsurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $144K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 177 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.