| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA BERNER REID3 | 10805 HOLDER ST #245 CYPRESS, CA 90630 | HEALTH NET | $112K | $0 | $112K | 3.99% |
| TWENTYTWENTY INSURANCE SERVICES3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | COMPANION LIFE OF CALIFORNIA SAN FRANCISCO | $14K | $0 | $14K | 10.00% |
| SIMA REID3 Filed as: SIMA B. REID | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 12.76% |
| SIMA REID3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| SIMA REID3 Filed as: SIMA B. REID | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 30.13% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $991 | $5K | 40.08% |
| SIMA BERNER REID3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 19.89% |
| LIFE TIME SOLUTIONS LLC3 | 861 KENWOOD ST UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $155 | $1K | 11.52% |
| BENEFITS COORDINATOR3 | 10741 LA JARA ST CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $930 | $264 | $1K | 10.51% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $131 | $1K | 10.04% |
| EASTMAN AND ASSOCIATES3 Filed as: EASTMAN AND ASSOC INS. SVC., INC | 1637 BAYSIDE DR. CORONA DEL MAR, CA 92625 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $0 | $523 | 4.60% |
| CHARLES D. BLOCK3 Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DRF HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $0 | $258 | 2.27% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | $0 | $251 | 2.21% |
| ERIC BROGAN3 Filed as: ERIC SWANSON | 23522 VIA ALONDRA TRABUCO CANYON, CA 92679 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $0 | $197 | 1.73% |
| STEPHEN W DOUGLASS3 Filed as: STEPHEN W. DOUGLASS | 45 MORNING GLORY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $0 | $190 | 1.67% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 1.58% |
| RYAN THURSTON WHITTAKER3 | 33011 COMMODORE CT SAN JUAN CAPOSTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | $0 | $160 | 1.41% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO RD LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 1.15% |
| ASCENSION BENEFITS ADVISORS3 | 6 POMEGRANATE ST LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $120 | $0 | $120 | 1.06% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.73% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.57% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.51% |
| INTREPID3 Filed as: INTREPID SOLUTIONS INSURANCE SERVIC | 1500 QUAIL ST STE 570 NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.48% |
| ERIC ALEXANDER NOVOA3 Filed as: ERIC A. NOVOA | 17871 SHADY VIEW DR. CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.48% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 0.42% |
| BENEFIT COMMUNICATIOINS INC3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.28% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.17% |
| MARIANNA REBECCA WEAVER3 | 1301 DOVE ST STE 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P O BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| MICHAEL F FAHEY III3 | 9301 NW 33RD STREET STE. 245 CYPRESS, CA 90630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.04% |
| EDWARD J THURIN3 | 19899 RAY AVE RIVERSIDE, CA 92508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| RONALD PERALEZ3 | 18 SEPULVEDA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| 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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 296 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $37K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $57K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 475 | $121K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 475 | $121K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE OF CALIFORNIA SAN FRANCISCO | 92 | $137K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 475 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.