| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | INSURANCE SERVICES INC. 23361 MADERO, SUITE 240 MISSION VIEJO, CA 92691 | HEALTH NET | $88K | — | $88K | 5.00% |
| GARNETT POWERS & ASSOCIATES INC3 | 23361 MADERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 23.81% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $5K | $12K | 14.93% |
| BENEFITS COORDINATOR3 | PO BOX 727 ARTESIA, CA 90702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 5.89% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $670 | $4K | 4.44% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $687 | $3K | 3.68% |
| STEPHEN W DOUGLASS3 | 45 MORNING GLORY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $14 | $2K | 2.36% |
| ERIC NOVOA3 | 17871 SHADY VIEW DR. CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $301 | $1K | 1.72% |
| CHARLES D. BLOCK3 Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DRF HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $961 | $65 | $1K | 1.29% |
| JUAN RAMON LOPEZ3 | 22431 ANTONIO PKWY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | $20 | $658 | 0.83% |
| MARTHA R BAEZ3 | 2179 OLD BRIDGE RD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $614 | $32 | $646 | 0.81% |
| JAIME VALENTINE AYALA3 | 711 SADLER AVE LOS ANGELES, CA 90022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | — | $606 | 0.76% |
| ROSE VILLALON PASQUEL3 | 552 E CARSON ST CARSON, CA 90745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $77 | $407 | 0.51% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH ST NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $142 | $267 | 0.33% |
| RALPH ARIJ KNOLL3 | 22001 SUNDOWNERS LANE LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.19% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNADINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.16% |
| MARIA RUBY QUINTANA3 | 12141 CENTRALIA STREET LAKEWOOD, CA 90715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $22 | $47 | 0.06% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON RD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $6 | $37 | 0.05% |
| YOLO ENTERPRISE INC3 | 2581 HILLCREST ST SIGNAL HILL, CA 90755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $7 | $32 | 0.04% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | INS. SERVICES, INC. 23361 MADERO, SUITE 240 MISSION VIEJO, CA 92691 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $5K | — | $5K | 18.39% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | INSURANCE SERVICES, INC. 23361 MADERO, SUITE 240 MISSION VIEJO, CA 92691 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 9.31% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | — | EYEMED | $1K | — | $1K | 8.14% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | — | EYEMED | $136 | — | $136 | 0.93% |
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 219 | $1.8M |
| Dental | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 197 | $27K |
| Vision | EYEMED | 244 | $15K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 300 | $26K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 108 | $80K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 300 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.