| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY HALO INSURANCE SERVICES INC3 | 515 SOUTH FLOWER STREET 36TH FLOOR LOS ANGELES, CA 90071 | CALIFORNIA PHYSICIANS SERVICE | $70K | $0 | $70K | 5.00% |
| HEALTHY HALO INSURANCE SERVICES INC3 | 515 S. FLOWER ST., 36TH FLOOR LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $5K | $0 | $5K | 6.91% |
| HEALTHY HALO INSURANCE SERVICES INC3 | 8033 W SUNSET BLVD. SUITE 416 LOS ANGELES, CA 900462401 | VISION SERVICE PLAN | $500 | $0 | $500 | 3.00% |
| HEALTHY HALO INSURANCE SERVICES INC3 | 515 S. FLOWER ST., 36TH FLOOR LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $934 | $0 | $934 | 9.45% |
| HEALTHY HALO INSURANCE SERVICES INC3 | 515 SOUTH FLOWER STREET 36TH FLOOR LOS ANGELES, CA 90071 | UNION SECURITY INSURANCE COMPANY | $729 | $0 | $729 | 7.50% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 121 A NORTH LOOP DRIVE DBA ESSENTIAL BENEFIT INS SERVICES CAMARILLO, CA 93010 | UNION SECURITY INSURANCE COMPANY | $729 | $0 | $729 | 7.50% |
| HEALTHY HALO INSURANCE SERVICES INC3 | 515 SOUTH FLOWER STREET 36TH FLOOR LOS ANGELES, CA 90071 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $657 | $0 | $657 | 10.00% |
| HEALTHY HALO INSURANCE SERVICES INC3 | 8033 SUNSET BLVD SUITE 416 LOS ANGELES, CA 90046 | HOLMAN FAMILY COUNSELING, INC. | $149 | $0 | $149 | 5.01% |
| HEALTHY HALO INSURANCE SERVICES INC3 Filed as: HEALTHY HALO INS SERV INC | 2601 LARMAR RD. LOS ANGELES, CA 90068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | — |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | — |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $283 | $1K | — |
| DOREEN REESE & ASSOCIATES LLC3 | 925 MAIN STREET STONE MOUNTAIN, GA 30083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $633 | $238 | $871 | — |
| CALIFORNIA INSURANCE ADVOCATES INC3 Filed as: CALIFORNIA INSURANCE ADVOCATES INC. | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | $9 | $767 | — |
| RANDELL LYNN KRUSE3 | 2018 DAYTON COURT SE RENTON, WA 98055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $18 | $387 | — |
| R & B ENROLLMENT SERVICES INC3 Filed as: R & B ENROLLMENT SERVICES INC. | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $4 | $322 | — |
| ELTHON ISRAEL CRUZ3 | 3800 WEST DEVONSHIRE AVE HEMET, CA 92545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | — |
| MARY CATHERINE COYNE3 | 5254 MULFORD STREET SKOKIE, IL 60077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $25 | $214 | — |
| EMIL BEHESHTI3 | 1541 6TH STREET MANHATTAN BEACH, CA 92066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $1 | $202 | — |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 OUTRIGGER AVE. VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | — |
| CRYSTAL MARIE BISHOP3 | 2571 LARAMIE RD. RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $6 | $132 | — |
| UZIEL RIVERA3 | 543 CHEROKEE CIR BANNING, CA 92220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | — |
| WHITFIELD BENEFIT SOLUTIONS3 | 341 W. TUDOR RD ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $40 | $95 | — |
| L H FINANCIAL SERVICES INC3 Filed as: L H FINANCIAL SERVICES INC. | 6695 HIDDEN BROOK TRAIL COLLEGE PARK, GA 30349 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | — |
| MELISSA L GEORGE & ASSOCIATES LLC3 Filed as: MELISSA L GEORGE BAILEY | PO BOX 91589 ATLANTA, GA 30364 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $35 | $82 | — |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | $3 | $79 | — |
| AYB BENEFITS INC3 Filed as: AYB BENEFITS INC. | 2296 HENDERSON MILL RD. ATLANTA, GA 30345 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $23 | $70 | — |
| LUIS ERNESTO PEREZ3 | 861 KENWOOD ST. UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | — |
| BARBARA ANN BASTON3 | 5401 MANSEL LANE FORT WORTH, TX 76134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $9 | $65 | — |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVE., STE. 112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $8 | $58 | — |
| DARRYL R FRENI3 | 23417 FAIRHAVEN CT VALENCIA, CA 91354 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | — |
| MARIANNA REBECCA WEAVER3 | 20092 CHAMPLAIN LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | — |
| DONALD C SAVOY INC3 Filed as: DONALD TERRY GOTHAM | 4009 N 9TH ST. TACOMA, WA 98406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | — |
| DOUGLAS LOYAL NERDAHL3 | 41 W 4TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | — |
| DAVID TODD WEINSTEIN3 | 7632 ADAMS STREET FORREST PARK, IL 60130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $22 | $36 | — |
| MICHAEL BLOCK3 | 16619 S. PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $19 | $33 | — |
| PHYLLIS ILENE SHALLMAN3 | 1201 S. CRESCENT LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $4 | $24 | — |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | — |
| ALLEN MAIRS3 | P. O. BOX 696 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | — |
| JUDY INEZ BUCHOLTZ3 Filed as: JUDY I BUCHOLTZ | 12517 217TH AVE CT E BONNEY LAKE, WA 98391 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | — |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | — |
| HARVEY S DAYTZ3 | 2530 W FARWELL CHICAGO, IL 60645 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | — |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | — |
| SUSAN J LEACH3 | 4419 NE 131ST PLACE PORTLAND, OR 97230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| JAMES H CROUTHAMEL3 | 1308 CUSHMORE RD SOUTHHAMPTON, PA 18966 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | — |
| JOE FERNANDEZ3 | 6136 FRISCO SQUARE BLVD FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
| CAPSTONE BENEFIT SOLUTIONS LLC3 | 901 LAKESIDE CIRCLE LEWISVILLE, TX 75057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
| BRIAN WHITE3 Filed as: BRIAN RODERICK | 5928 N ORANGECREST AZUSA, CA 91702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | — |
| JANIS D RUCKS3 | 1204 CHAMBERLAIN MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | — |
| AGSANT GROUP INC3 Filed as: AGSANT GROUP INC. | 5500 W 35TH STREET CICERO, IL 60804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | — |
| RANDY DAHL3 | 707 SOUTH GRADY WAY RENTON, WA 98057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
| ERICA TEREK3 | 2758B ROUTE 34 OSWEGO, IL 60543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
| ROBERT J HUMPHREY3 | 9043 SANDSTONE HOUSTON, TX 77036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | — |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 228 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 194 | $83K |
| Vision | VISION SERVICE PLAN | 108 | $17K |
| Life insurance(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 138 | $7K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 22 | $10K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 228 | $1.4M |
| Other(3 contracts, 3 carriers) | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 160 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.