| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | INSURANCE SERVICES INC. 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | HEALTH NET | $114K | — | $114K | 5.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT POWERS & ASSOCIATES INC. | 23361 MADERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 8.84% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $723 | $4K | 4.40% |
| BENEFITS COORDINATOR3 | 10741 LA JARA STREET CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $406 | $2K | 2.22% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $298 | $2K | 1.97% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $91 | $2K | 1.68% |
| LIFE TIME SOLUTIONS LLC3 | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $89 | $597 | 0.64% |
| JUAN RAMON LOPEZ3 | 22431 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $104 | $514 | 0.55% |
| STEPHEN W DOUGLASS3 Filed as: STEPHEN W DOUGLAS | 45 MORNING GLORY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $1 | $304 | 0.32% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $24 | $297 | 0.32% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON ROAD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $25 | $297 | 0.32% |
| GILBERT JESUS LUCERO JR3 Filed as: GILBERT JESUS LUCERO JR. | 4111 SAINT PAUL PLACE RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 0.29% |
| CHARLES D. BLOCK3 Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DRIVE HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | — | $270 | 0.29% |
| MARTHA R BAEZ3 | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $6 | $149 | 0.16% |
| ROSE VILLALON PASQUEL3 | 552 E CARSON STREET CARSON, CA 90745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $8 | $104 | 0.11% |
| JAIME VALENTINE AYALA3 | 711 SADLER AVENUE LOS ANGELES, CA 90022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.09% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $32 | $50 | 0.05% |
| RALPH ARIJ KNOLL3 | 22001 SUNDOWNERS LANE LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| HAROLD WILLIAM STIFFLER3 | 12 VIA VERDE RANCHO MIRAGE, CA 92270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNADINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.02% |
| MARIA RUBY QUINTANA3 | 12141 CENTRALIA STREET LAKEWOOD, CA 90715 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.01% |
| YOLO ENTERPRISE INC3 Filed as: YOLO ENTERPRISE INC. | 2581 HILLCREST STREET SIGNAL HILL, CA 90755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.01% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INS. | SERVICES, INC. MISSION VIEJO, CA 92691 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $6K | — | $6K | 20.02% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOC INS SVCS | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOC INS SVCS | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | EYEMED | $2K | — | $2K | 9.98% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 222 | $2.3M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 237 | $40K |
| Vision | EYEMED | 246 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $18K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 100 | $94K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 324 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.