| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA REID3 Filed as: SIMA BERNER REID | 3765 ROSE AVENUE LONG BEACH, CA 90807 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | $0 | $84K | 5.66% |
| REID GROUP ENTERPRISES, INC.3 | 10805 HOLDER STREET, SUITE 245 CYPRESS, CA 90630 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 12.24% |
| SIMA REID3 | 10805 HOLDER STREET, SUITE 245 CYPRESS, CA 90630 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 16.88% |
| SIMA REID3 | 10805 HOLDER STREET, SUITE 245 CYPRESS, CA 90630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| SIMA REID3 Filed as: SIMA BERNER REID | 10805 HOLDER STREET CYPRESS, CA 90630 | COLONIAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.47% |
| RAMONA MARGARET DALY3 | 2877 CALLE HERALDO SAN CLEMENTE, CA 92673 | COLONIAL LIFE INSURANCE COMPANY | $1K | $22 | $1K | 5.93% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE INSURANCE COMPANY | $447 | $0 | $447 | 1.84% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE INSURANCE COMPANY | $352 | $0 | $352 | 1.45% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BEN AND OTHER AGENT | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE INSURANCE COMPANY | $217 | $70 | $287 | 1.18% |
| JUSTIN INGLE3 | 26661 VIA SACRAMENTO CAPISTRANO BEACH, CA 92624 | COLONIAL LIFE INSURANCE COMPANY | $173 | $8 | $181 | 0.75% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE INSURANCE COMPANY | $115 | $55 | $170 | 0.70% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $1.5M |
| Dental | DENTAL HEALTH SERVICES | 310 | $124K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $81K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $81K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $1.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 194 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.