| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA L AYERS3 Filed as: SANDRA L SHERMAN | 15 STEPHENS DR SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $5K | $6K | 9.80% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES | 371 MAIN STREET SALINAS, CA 93901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 7.31% |
| KENT ANTHONY SHERMAN3 | 15 STEPHENS DR SAN JUAN BAUTISTA, CA 95045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $386 | $2K | $2K | 3.30% |
| ANTONIO JOSE ANGELES3 | PO BOX 18824 SAN JOSE, CA 95158 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $923 | $254 | $1K | 1.90% |
| ELIZABETH PAULA BARNARD3 | 641 PRINTY AVE MILPITAS, CA 95035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $808 | $367 | $1K | 1.90% |
| CATHERINE LISA LUKE3 | 9351 OAK VIEW DR OAKDALE, CA 95361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $556 | $353 | $909 | 1.47% |
| CELIFLORA THOMPSON3 | 4454 TERRA CORVO CT MERCED, CA 95348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $166 | $903 | 1.46% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 0.80% |
| BARLOCKER INSURANCE AGENCY INC3 | 470 E HERNDON AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 0.45% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 316 CROCKER ST UNIT A TEMPLETON, CA 93465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $8 | $139 | 0.22% |
| JAN HEJRET3 | 644 N 17TH ST SAN JOSE, CA 95112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $74 | $128 | 0.21% |
| BRUCE NAM NGUYEN3 | 207 PEPPERMINT TREE TER UNIT 9 SUNNYVALE, CA 94086 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $1 | $127 | 0.21% |
| EDWARD JOHN ROTH3 | 6966 GREGORICH DR UNIT F SAN JOSE, CA 95138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.20% |
| DAVID ROY VIACCHIO3 | 1319 BEACH ST SAN LUIS OBISPO, CA 93401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.17% |
| JOSE A MORALES3 | 1845 LONDON WAY SALINAS, CA 93906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.11% |
| MANDEEP TEJA3 | 1548 SAINT FRANCIS DR SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $20 | $47 | 0.08% |
| ESTRADA ENTERPRISES LLC3 | 5340 EDGEVIEW DRIVE DISCOVERY BAY, CA 94505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.06% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES, | LLC 371 MAIN STREET SALINAS, CA 93901 | CYPRESS DENTAL ADMINISTRATORS | $5K | — | $5K | 9.86% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 HILLSDALE BLVD, #201 SAN MATEO, CA 94402 | CYPRESS DENTAL ADMINISTRATORS | $2K | — | $2K | 4.93% |
| BAY AND BASIN INSURANCE SERVIC3 Filed as: BAY AND BASIN INSURANCE SERVICES | 371 MAIN ST SALINAS, CA 939012705 | PRINCIPAL LIFE INSURANCE COMPANY | $878 | — | $878 | 8.30% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES | ATTN VIVIAN LEUS 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | — | $292 | $292 | 2.76% |
| BAY AND BASIN INSURANCE SERVIC3 | 371 MAIN ST SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $767 | — | $767 | 9.93% |
| BAY AND BASIN INSURANCE SERVIC3 | 371 MAIN ST SALINAS, CA 93901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $995 | — | $995 | 14.93% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CYPRESS DENTAL ADMINISTRATORS | 106 | $47K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 118 | $11K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $76K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 80 | $62K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 133 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
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.