| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REID GROUP ENTERPRISES, INC.3 | 10805 HOLDER STREET CYPRESS, CA 90630 | AETNA HEALTH, INC. | $25K | $5K | $30K | 2.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AETNA HEALTH, INC. | $24K | $0 | $24K | 1.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85012 | AETNA HEALTH, INC. | $9K | $0 | $9K | 0.73% |
| REID GROUP ENTERPRISES, INC.3 | 10805 HOLDER STREET CYPRESS, CA 90630 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 2.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85012 | AETNA LIFE INSURANCE COMPANY | $8K | $46 | $8K | 1.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.01% |
| TWENTYTWENTY INSURANCE SERVICES3 | 10805 HOLDER STREET, SUITE 245 CYPRESS, CA 90630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.90% |
| SIMA REID3 | 10805 HOLDER STREET, SUITE 245 CYPRESS, CA 90630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.81% |
| SIMA REID3 | 10805 HOLDER STREET, SUITE 245 CYPRESS, CA 90630 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.12% |
| SIMA REID3 Filed as: SIMA BERNER REID | 10805 HOLDER STREET CYPRESS, CA 90630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.24% |
| RAMONA MARGARET DALY3 | 2877 CALLE HARALDO SAN CLEMENTE, CA 92673 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $176 | $2K | 6.23% |
| GOLD RIVER FINANCIAL GROUP LLC3 Filed as: GOLD RIVER FIN GRP AND OTHER AGENTS | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $390 | $11 | $401 | 1.66% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 1.43% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $83 | $212 | 0.88% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $105 | $184 | 0.76% |
| JUSTIN ALEXANDER INGLE3 | 26661 VIA SACRAMENTO CAPISTRANO BEACH, CA 92624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.35% |
| GIS NATIONAL3 | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $490 | $0 | $490 | 5.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | METLIFE LEGAL PLANS | $359 | $0 | $359 | 4.28% |
| REID GROUP ENTERPRISES, INC.3 | 10805 HOLDER STREET CYPRESS, CA 90630 | METLIFE LEGAL PLANS | $224 | $0 | $224 | 2.67% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $210 | $210 | 2.50% |
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 | 182 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 342 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 342 | $482K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $120K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $120K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $120K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $120K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 342 | $1.8M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.