| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NDG INSURANCE SERVICES, INC.3 | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRA, CA 92675 | HEALTHNET | $40K | $0 | $40K | 2.41% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRA, CA 92675 | HEALTHNET | $28K | $0 | $28K | 1.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | HEALTHNET | $14K | $0 | $14K | 0.83% |
| JOHN D EVANGELISTA3 Filed as: JOHN E. EVANGELISTA | 151 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $264 | $1K | 2.54% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: GOLD RIVER FIN. AND VARIOUS AGENTS | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $978 | $75 | $1K | 1.81% |
| NDG INSURANCE SERVICES, INC.3 | 29122 RANCHO VIEJO ROAD SAN JUAN CAPISTRA, CA 92675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $972 | $0 | $972 | 1.67% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES INC. | 29122 RANCHO VIEJO ROAD SAN JUAN CAPISTRA, CA 92675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $885 | $0 | $885 | 1.52% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR LADERA RANCH, CA 92694 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $659 | $105 | $764 | 1.31% |
| BENEFITS COORDINATOR3 | 10741 LA JARA STREET CERRITOS, CA 90703 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $516 | $80 | $596 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.08% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.09% |
| NDG INSURANCE SERVICES, INC.3 Filed as: NDG INSURANCE SERVICES INC. | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRA, CA 92675 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $462 | $0 | $462 | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $450 | $0 | $450 | 1.62% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $855 | $0 | $855 | 4.29% |
| NDG INSURANCE SERVICES, INC.3 | 29122 RANCHO VIEJO ROAD SAN JUAN CAPISTRA, CA 92675 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $827 | $0 | $827 | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $451 | $0 | $451 | 2.27% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES INC. | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | UNITED CONCORDIA INSURANCE COMPANY | $638 | $0 | $638 | 4.23% |
| NDG INSURANCE SERVICES, INC.3 | 29122 RANCHO VIEJO ROAD SAN JUAN CAPISTRA, CA 92675 | UNITED CONCORDIA INSURANCE COMPANY | $605 | $0 | $605 | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED CONCORDIA INSURANCE COMPANY | $351 | $77 | $428 | 2.84% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOCIATES, INC. | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRA, CA 92675 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 9.23% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNET | 165 | $1.6M |
| Dental(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 159 | $93K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 190 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $28K |
| Prescription drug | HEALTHNET | 165 | $1.6M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 178 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.