| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CALIFORNIA PHYSICIANS SERVICE | $54K | $4K | $58K | 4.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $21K | — | $21K | 1.81% |
| PETER M. CROSBY3 | PO BOX 270395 SAN DIEGO, CA 92198 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $253 | $11K | 9.88% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $446 | $1K | 1.34% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $991 | $219 | $1K | 1.12% |
| COUNT ON WELLNESS3 | 3306 MORAGA PLACE SAN DIEGO, CA 92117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| JAKORP INC3 Filed as: JAKORP, INC. | 15254 WINESPRINGS COURT SAN DIEGO, CA 92127 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $569 | $271 | $840 | 0.77% |
| CRYSTAL MARIE BISHOP3 Filed as: CRYSTAL M. BISHOP AND OTHER AGENTS | 2571 LARAMIE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $445 | $9 | $454 | 0.42% |
| JACK F KIMMONS3 Filed as: JACK F. KIMMONS | 37291 BOSLEY STREET INDIO, CA 92203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNADINO, CA 92408 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 10.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UDC DENTAL OF CALIFORNIA, INC | $1K | — | $1K | 9.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNERDINO, CA 92408 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 11.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | $405 | — | $405 | 4.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | $166 | — | $166 | 1.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNION SECURITY INSURANCE COMPANY | $837 | — | $837 | 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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 211 | $1.2M |
| Dental(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 111 | $85K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 211 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 133 | $45K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 211 | $1.2M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 133 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.