| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAGNONE FINANCIAL SERVICES CORP3 Filed as: MAGNONE FINANCIAL SERVICES CORP. | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 6.97% |
| ASSUREDPARTNERS3 | 500 NORTH EXPRESSWAY, SUITE 550 PLANO, TX 75074 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 5.77% |
| KRISTIN LEASE3 | 3890 HOWARD AVENUE LOS ALAMITOS, CA 90720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4K | $7K | 3.13% |
| JENNIFER GROOT3 | 931 WEST MARSHALL BOULEVARD SAN BERNARDINO, CA 92405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $268 | $4K | 2.01% |
| MJ INSURANCE3 Filed as: MCCAREY, INC. AND VARIOUS AGENTS | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $494 | $4K | 1.88% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $254 | $3K | 1.37% |
| MAIRA MAGALI ORTIZ3 | 43642 35TH STREET EAST LANCASTER, CA 93535 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $214 | $3K | 1.37% |
| ASSUREDPARTNERS3 | 500 NORTH EXPRESSWAY, SUITE 550 PLANO, TX 75074 | BLUE CROSS OF CALIFORNIA | $8K | $0 | $8K | 9.03% |
| ASSUREDPARTNERS3 | 435 WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | BLUE CROSS OF CALIFORNIA | $0 | $1K | $1K | 1.15% |
| ASSUREDPARTNERS3 | 500 CENTRAL EXPRESSWAY, SUITE 550 PLANO, TX 75074 | SUNLIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 15.04% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF CALIFORNIA | 284 | $90K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 264 | $296K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 264 | $296K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 284 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.