| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES | 371 MAIN STREET SALINAS, CA 93901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.52% |
| CATHERINE LISA LUKE3 | 9351 OAK VIEW DR OAKDALE, CA 95361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.80% |
| SANDRA L AYERS3 Filed as: SANDRA L SHERMAN | 3715 NE 22ND PLACE RENTON, WA 98056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $384 | $835 | 1.50% |
| JOALMI EUNICE LOZANO LEMUS3 | 501 SOUTH GREEN VALLEY ROAD WATSONVILLE, CA 95076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $119 | $497 | 0.89% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | — | $458 | 0.82% |
| ELIZABETH PAULA BARNARD3 | 641 PRINTY AVE MILPITAS, CA 95035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $137 | $451 | 0.81% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $94 | $339 | 0.61% |
| ANTONIO JOSE ANGELES3 | PO BOX 18824 SAN JOSE, CA 95158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $2 | $165 | 0.30% |
| KENT ANTHONY SHERMAN3 | 15 STEPHENS DR SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $94 | $126 | 0.23% |
| TANYA ESPINOZA3 | 301 SERENO VISTA WAY SAN JOSE, CA 95116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $27 | $88 | 0.16% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 316 CROCKER ST UNIT A TEMPLETON, CA 93465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $4 | $63 | 0.11% |
| CELIFLORA THOMPSON3 | 4454 TERRA CORVO CT MERCED, CA 95348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $1 | $58 | 0.10% |
| JAN HEJRET3 | 644 N 17TH ST SAN JOSE, CA 95112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $22 | $58 | 0.10% |
| MANDEEP TEJA3 | 1548 SAINT FRANCIS DR SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $8 | $28 | 0.05% |
| ESTRADA ENTERPRISES LLC3 | 5340 EDGEVIEW DRIVE DISCOVERY BAY, CA 94505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.04% |
| DAVID ROY VIACCHIO3 | 1319 BEACH ST SAN LUIS OBISPO, CA 93401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES, | LLC 371 MAIN STREET SALINAS, CA 93901 | CYPRESS DENTAL ADMINISTRATORS | $5K | — | $5K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 HILLSDALE BLVD, #201 SAN MATEO, CA 94402 | CYPRESS DENTAL ADMINISTRATORS | $2K | — | $2K | 5.00% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES | 371 MAIN ST SALINAS, CA 939012705 | PRINCIPAL LIFE INSURANCE COMPANY | $878 | — | $878 | 9.89% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC ATTN VIVIAN LEUS 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | — | $292 | $292 | 3.29% |
| BAY AND BASIN INSURANCE SERVIC3 | 371 MAIN ST SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $706 | — | $706 | 10.07% |
| BAY AND BASIN INSURANCE SERVIC3 | 371 MAIN ST SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $757 | — | $757 | 15.09% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CYPRESS DENTAL ADMINISTRATORS | 99 | $47K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $9K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $68K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $56K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.