| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $252K | $19K | $271K | 5.03% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | SELECTHEALTH | $13K | $0 | $13K | 3.57% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | HEALTH PLAN OF NEVADA | $6K | $0 | $6K | 3.67% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.72% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $25 | $1K | 1.95% |
| TERI ROLLIN3 Filed as: TERI ROLLIN AND OTHER AGENTS | UNKNOWN OAK PARK, CA 91377 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $662 | $3 | $665 | 1.12% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $0 | $428 | 0.72% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $0 | $281 | 0.47% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R & B ENROLLMENT SERVICES, INC. | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $150 | $0 | $150 | 0.25% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $36 | $145 | 0.25% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 9.88% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.73% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $28 | $402 | 1.99% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA MARIE TIERCE & OTHER AGENTS | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $2 | $316 | 1.57% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $189 | $0 | $189 | 0.94% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $118 | $0 | $118 | 0.58% |
| ASSUREDPARTNERS3 Filed as: BERTHA PATRICIA SHEPHERD | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $3 | $108 | 0.54% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $42 | $103 | 0.51% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $633 | $0 | $633 | 3.76% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 2.06% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA MARIE TIERCE & OTHER AGENTS | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 0.69% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.45% |
| JOAN RANCE3 | 434 CRESTWAY ROAD HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.37% |
| KYM ELIZABETH DUNHAM3 | 828 SAFFLOWER COURT HENDERSON, NV 89015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.33% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.29% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $549 | $0 | $549 | 6.59% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $8 | $155 | 1.86% |
| MARGARITA ALEJANDRA RAMIREZ3 Filed as: MARGARITA A. RAMIREZ & OTHER AGENTS | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.82% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.71% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $5 | $37 | 0.44% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.40% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $10 | $28 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | $0 | $300 | 4.36% |
| SWIDPRO LLC3 Filed as: SWIDPRO, LLC | 3316 SINGLELEAF LANE RALEIGH, NC 27616 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 1.25% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 1.00% |
| KRISTEN BIBLE3 Filed as: KRISTEN BIBLE AND OTHER AGENTS | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.51% |
| TODD GERALD GECEWICZ3 | 216 WEST GANNON AVENUE ZEBULON, NC 27597 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 0.36% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.28% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.20% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $561 | $0 | $561 | 12.05% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE SUITE 112 TORRANCE, CA 90501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $17 | $257 | 5.52% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $57 | $256 | 5.50% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $77 | $153 | 3.29% |
| JAROLD L WELKER3 Filed as: JAROLD L. WELKER | 1922 NORTH 45TH STREET PHOENIX, AZ 85008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.37% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.24% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ AND OTHER AGENTS | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.06% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $0 | $524 | 14.40% |
| ASSUREDPARTNERS3 Filed as: BERTHA PATRICIA SHEPHERD | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $203 | $7 | $210 | 5.77% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $34 | $142 | 3.90% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $64 | $130 | 3.57% |
| MARC A GROVE3 Filed as: MARC A. GROVE | 25900 AUTUMN WAY ROGERS, MN 55374 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $22 | $46 | 1.26% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD ROAD SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.30% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 6.22% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 1.62% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.66% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.37% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.15% |
| DEL DOWNEY3 | 32056 MERLOT CREST TEMECULA, CA 92591 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $213 | $0 | $213 | 9.49% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $4 | $43 | 1.92% |
| ASSUREDPARTNERS3 Filed as: BERTHA PATRICIA SHEPHERD | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $1 | $26 | 1.16% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.76% |
| ISAACSON INSURANCE AGENCY LLC3 Filed as: ISAACSON INSURANCE AGENCY, LLC | 1250 11TH STREET WEST LINN, OR 97068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.45% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.22% |
| DEL DOWNEY3 | 32056 MERLOT CREST TEMECULA, CA 92591 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.13% |
| MICHAEL W MCCAREY3 Filed as: MICHAEL WAYNE MCCAREY | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 28.75% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $15 | $107 | 9.55% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 15.05% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 1.30% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.20% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 8.63% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.34% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.45% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACEVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.30% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.15% |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,010 | $5.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,010 | $5.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,010 | $5.4M |
| Life insurance(13 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 600 | $184K |
| Short-term disability(11 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 47 | $126K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,010 | $5.9M |
| Other(13 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 600 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,010 | — |
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."
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.