| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA BERNER REID3 | 10805 HOLDER ST., STE. 245 CYPRESS, CA 90630 | HEALTH NET | $94K | $0 | $94K | 4.00% |
| TWENTYTWENTY INSURANCE SERVICES3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | NATIONWIDE | $12K | $0 | $12K | 10.00% |
| SIMA REID3 Filed as: SIMA B. REID | 3734 MANOR DR. LAKEWOOD, CA 90712 | GUARDIAN LIFE INSURANCE CO. | $11K | $0 | $11K | 11.54% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DR. CHIN HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INS. CO. | $14K | $15 | $14K | 24.20% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INS. CO. | $2K | $339 | $2K | 3.99% |
| SIMA BERNER REID3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | COLONIAL LIFE & ACCIDENT INS. CO. | $1K | $0 | $1K | 2.20% |
| LIFE TIME SOLUTIONS LLC3 | 861 KENWOOD ST. UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INS. CO. | $907 | $139 | $1K | 1.84% |
| BENEFITS COORDINATOR3 | P.O. BOX 727 ARTESIA, CA 90702 | COLONIAL LIFE & ACCIDENT INS. CO. | $485 | $96 | $581 | 1.02% |
| EASTMAN AND ASSOCIATES3 Filed as: EASTMAN AND ASSOC INS. SVC., INC | 1637 BAYSIDE DR. CORONA DEL MAR, CA 92625 | COLONIAL LIFE & ACCIDENT INS. CO. | $439 | $0 | $439 | 0.77% |
| STEPHEN W DOUGLASS3 Filed as: STEPHEN W. DOUGLASS | 45 MORNING GLORY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INS. CO. | $316 | $1 | $317 | 0.56% |
| CHARLES D. BLOCK3 Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DRIVE HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INS. CO. | $198 | $0 | $198 | 0.35% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL. FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INS. CO. | $182 | $10 | $192 | 0.34% |
| MARIA C GONZALEZ3 Filed as: MARIA C. GONZALEZ | 11677 SANDPIPER CT. MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INS. CO. | $167 | $0 | $167 | 0.29% |
| ERIC BROGAN3 Filed as: ERIC SWANSON | 23522 VIA ALONDRA TRABUCO CANYON, CA 92679 | COLONIAL LIFE & ACCIDENT INS. CO. | $160 | $0 | $160 | 0.28% |
| RYAN THURSTON WHITTAKER3 | 33011 COMMODORE CT. SAN JUAN CAPO, CA 92675 | COLONIAL LIFE & ACCIDENT INS. CO. | $152 | $0 | $152 | 0.27% |
| ASCENSION BENEFITS ADVISORS3 | 6 POMEGRANATE ST. LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INS. CO. | $93 | $0 | $93 | 0.16% |
| ALEXANDER OTTONIEL CANAS3 Filed as: ALEXANDER OTONIEL CANAS | 26123 BOUQUET CANYON RD. SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INS. CO. | $71 | $17 | $88 | 0.16% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO RD. LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INS. CO. | $78 | $0 | $78 | 0.14% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DR. LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INS. CO. | $49 | $0 | $49 | 0.09% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INS. CO. | $46 | $0 | $46 | 0.08% |
| INTREPID3 Filed as: INTREPID SOLUTIONS INSURANCE SERVIC | 1500 QUAL ST. NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INS. CO. | $42 | $0 | $42 | 0.07% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST. SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INS. CO. | $40 | $0 | $40 | 0.07% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION INC. | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INS. CO. | $25 | $0 | $25 | 0.04% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH ST. NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INS. CO. | $7 | $10 | $17 | 0.03% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST. RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INS. CO. | $10 | $0 | $10 | 0.02% |
| MARIANNA REBECCA WEAVER3 | 1301 DOVE ST. STE. 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INS. CO. | $10 | $0 | $10 | 0.02% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNARDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INS. CO. | $7 | $1 | $8 | 0.01% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INS. CO. | $4 | $0 | $4 | 0.01% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY III | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INS. CO. | $4 | $0 | $4 | 0.01% |
| EDWARD J THURIN3 Filed as: EDWARD J. THURIN | 19899 RAY AVE. RIVERSIDE, CA 92508 | COLONIAL LIFE & ACCIDENT INS. CO. | $2 | $0 | $2 | 0.00% |
| RONALD PERALEZ3 | 18 SEPULVEDA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INS. CO. | $2 | $0 | $2 | 0.00% |
| SIMA REID3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | RELIANCE STANDARD LIFE INSURANCE CO. | $5K | $0 | $5K | 10.00% |
| SIMA REID3 Filed as: SIMA B. REID | 3745 MANOR DR. LAKEWOOD, CA 90712 | GUARDIAN LIFE INSURANCE CO. | $10K | $0 | $10K | 34.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 17901 VAN KARMAN AVE. STE. 1100 IRVINE, CA 92614 | FEDERAL INSURANCE CO. | $264 | $0 | $264 | 15.00% |
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 | 412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 265 | $2.4M |
| Dental | GUARDIAN LIFE INSURANCE CO. | 313 | $30K |
| Vision | RELIANCE STANDARD LIFE INSURANCE CO. | 236 | $53K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. | 412 | $98K |
| Long-term disability | GUARDIAN LIFE INSURANCE CO. | 412 | $98K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 72 | $121K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE CO. | 560 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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.