| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES | INSURANCE SERVICES INC. 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRA, CA 92675 | HEALTH NET | $99K | — | $99K | 5.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | 29122 RANCHO VIEJO ROAD SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 5.87% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $464 | $3K | 3.15% |
| BENEFITS COORDINATOR3 | 10741 LA JARA STREET CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $164 | $1K | 1.58% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR LADERA, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $109 | $1K | 1.42% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $78 | $1K | 1.32% |
| LIFE TIME SOLUTIONS LLC3 | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $749 | $130 | $879 | 1.04% |
| ERIC ALEXANDER NOVOA3 | 17871 SHADY VIEW DRIVE CHINO HILLS, CA 91709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $40 | $366 | 0.43% |
| JUAN RAMON LOPEZ3 | 22431 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $48 | $174 | 0.21% |
| CHARLES D. BLOCK3 Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DRIFT HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | — | $136 | 0.16% |
| ALEXANDER OTTONIEL CANAS3 | 26123 BOUQUET CANYON ROAD SANTA CLARITA, CA 91350 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.07% |
| ROSE VILLALON PASQUEL3 | 552 E CARSON STREET CARSON, CA 90745 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.04% |
| GILBERT JESUS LUCERO JR3 Filed as: GILBERT JESUS LUCERO JR. | 4111 SAINT PAUL PLACE RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.03% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $11 | $25 | 0.03% |
| MARTHA R BAEZ3 | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.02% |
| TINA HERNANDEZ3 | 11779 W COCOPAH STREET AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $5 | $19 | 0.02% |
| HAROLD WILLIAM STIFFLER3 | 12 VIA VERDE RANCHO MIRAGE, CA 92270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES INC. | — | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $3K | — | $3K | 10.03% |
| 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. | — | UNITED CONCORDIA INSURANCE COMPANY | $956 | — | $956 | 5.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE | $766 | — | $766 | 4.62% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS & ASSOCIATES, INC. | 29122 RANCHO VIEJO ROAD SUITE 211 SAN JUAN CAPISTRANO, CA 92675 | EYEMED VISION CARE | $438 | — | $438 | 2.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 25909 PALA SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE | $154 | — | $154 | 0.93% |
| 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% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 177 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | 233 | $44K |
| Vision | EYEMED VISION CARE | 193 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $15K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 79 | $84K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 225 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.