| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN ST UNIT 1462 LOS ALTOS, CA 94023 | CALIFORNIA PHYSICIANS SERVICE | $3K | $119K | $122K | 3.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | $58K | $3K | $60K | 1.93% |
| MICHAEL KIRKPATRICK3 | P.O. BOX 270 FREEDOM, CA 95019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $0 | $524 | 1.54% |
| MIKE RADAKOVICH3 Filed as: MIKE GEORGE RADAKOVICH | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.06% |
| CATHERINE LISA LUKE3 | 9351 OAK VIEW DR OAKDALE, CA 95361 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.57% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | — | $118 | 0.35% |
| DOUG LOYAL NERDAHL3 | 4808 NW 77TH ST OKLAHOMA CITY, OK 73132 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.13% |
| DONNA MARIE STOLL3 | 502 BOB LITTLE RD PANAMA CITY, FL 32404 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.13% |
| ELTHON ISRAEL CRUZ3 | 893 S 2100 W OREM, UT 84059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.11% |
| SCOTT E BOORE3 Filed as: SCOTT BOORE | 1680 DELTA WIND LANE LINCOLN, CA 95648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R AND B ENROLLMENT SVCS INC | P.O. BOX 3216 CRESTLINE, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.07% |
| PATRICIA FERNANDEZ3 | 4005 E OSBORN RD PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.05% |
| REBECCA J MERRITT3 | 927 E KEIM DR PHOENIX, AZ 95014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| SUSAN HENDRICKS3 | 6718 N PALM CANYON DR PHOENIX, AZ 95018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JOSEPH QUINTANA3 | 3022 N 49TH CT PHOENIX, AZ 95018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JOHN A. BRADLEY INC.3 Filed as: JOHN BRADLEY INC | 207 SOUTH MAIN ST FOUNTAIN INN, SC 29644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THOMAS MARTIN LEVINSTEIN3 Filed as: THOMAS LEVINSTEIN | 16 PHEASANT LN ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DEL DOWNEY3 | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DANIEL E WILLIAMS3 Filed as: DANIEL WILLIAMS | 209 W DUNLIN DR SALEM, UT 84653 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN ST UNIT 1462 LOS ALTOS, CA 94023 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $2K | — | $2K | 9.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $371 | — | $371 | 1.85% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.38% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $658 | $658 | 4.60% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 422 | $3.1M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 422 | $3.1M |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 205 | $68K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 24 | $34K |
| Other(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 205 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.