| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCAREY INC | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | COLONIAL LIFE | $2K | $595 | $3K | 8.22% |
| SUSAN GOLD STOKES | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE | $1K | $235 | $1K | 3.51% |
| LISA ANN MCLAUGHLIN Filed as: LISA ANN MCLAUGHIN | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE | $581 | — | $581 | 1.58% |
| RONNY ANN WARNER Filed as: RONNY ANN WALKER | 470 E WHITBECK ST KUNA, ID 83634 | COLONIAL LIFE | $380 | $50 | $430 | 1.17% |
| JOHN A. BRADLEY INC. Filed as: JOHN BRADLEY INC | 207 SOUTH MAIN FOUNTAIN INN, SC 29644 | COLONIAL LIFE | $380 | — | $380 | 1.03% |
| R & B ENROLLMENT SERVICES INC Filed as: R&B ENROLLMENT SERVICES INC. | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE | $310 | — | $310 | 0.84% |
| ANDREA MARIE TIERCE | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE | $219 | — | $219 | 0.60% |
| JOSEPH N PALOUKOS | 525 20TH STREET SAN FRANCISCO, CA 94017 | CHOICE BUILDER | — | $3K | $3K | 9.24% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WORD & BROWNN GENERAL AGENCY | 721 SOUTH PARKER ORANGE, CA 92868 | CHOICE BUILDER | $1K | — | $1K | 4.28% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE | $909 | — | $909 | 10.04% |
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 | 73 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 73 | $336K |
| Dental | CHOICE BUILDER | 40 | $32K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 67 | $9K |
| Other | COLONIAL LIFE | 29 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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.