| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH PLAOKAS Filed as: JOSEPH PLAOUKAS | 525 20TH STREET SAN FRANCISCO, CA 94107 | CHOICE BUILDER | $4K | — | $4K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WORD & BROWN GENERAL AGENECY | 721 SOUTH PARKER ORANGE, CA 92868 | CHOICE BUILDER | $2K | — | $2K | 4.11% |
| MCCAREY INC Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 6.73% |
| R & B ENROLLMENT SERVICES INC Filed as: R& B ENROLLMENT SERVICES INC. | P.O. BOX 32126 CRESTLINE, CA 92325 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $919 | $110 | $1K | 3.30% |
| JOHN A. BRADLEY INC. Filed as: JOHN BRADLEY INC | 207 SOUTH MAINE STREET FOUNTAIN INN, SC 29644 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $865 | $0 | $865 | 2.77% |
| BGM BENEFIT ENROLLMENTS LLC | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $503 | $232 | $735 | 2.35% |
| VINCENT GERARD MCLAUGHLIN Filed as: VINCENT JERAD MCLAUGHLIN | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $297 | $381 | $678 | 2.17% |
| ANDREA MARIE TIERCE | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $524 | $139 | $663 | 2.12% |
| CALIFORNIA INSURANCE ADVOCATES INC Filed as: CALIFORNIA INSURANCE ADVOCATES INC. | 41960 AVENIDA DE ANITA TEMECULAR, CA 92592 | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | $126 | $2 | $128 | 0.41% |
| DAVIDOW FINANCIAL & INSURANCE SERVI | 20700 VENTURA BLVD SUITE 235 WOODLAND HILLS, CA 91364 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $663 | $0 | $663 | 10.00% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RUBIDOUX MOTOR CO HEALTH AND WELFARE | 90 | $452K |
| Dental | CHOICE BUILDER | 55 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $7K |
| Other | COLONIA LIFE AND ACCIDENTAL LIFE INSURANCE COMPANY | 27 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.