| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLANS, INC. | $117K | $0 | $117K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY LLC | 9171 TOWNE CENTRE DRIVE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLANS, INC. | $10K | $0 | $10K | 0.27% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PAR AVE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $601 | $5K | 2.32% |
| KINGSROAD FINANCIAL INSURANCE3 | 5405 MOREHOUSE DRIVE SUITE 230 SAN DIEGO, CA 92121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.35% |
| MJ INSURANCE3 Filed as: RALPH F. REA AND VARIOUS AGENTS | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $20 | $2K | 0.93% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 0.86% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMP BENEFIT SOLUTIONS | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $53 | $2K | 0.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $870 | $99 | $969 | 0.48% |
| HEALTHSCOPE BENEFITS, INC.5 Filed as: HEALTHSCOPE BENEFIT INC. | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $644 | $0 | $644 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 3.95% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 91707 | UNION SECURITY INSURANCE COMPANY | $12K | $228 | $12K | 12.38% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNION SECURITY INSURANCE COMPANY | $9K | $0 | $9K | 9.16% |
| DISABILTY RMS, INC.5 | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | $0 | $4K | $4K | 4.30% |
| AMERICAN WORKSITE INS. MARKETING3 Filed as: AMERICAN WORKSITE AND OTHER AGENTS | 1365 WEST VISTA WAY SUITE 201 VISTA, CA 92083 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 2.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY INC | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | $0 | $1K | $1K | 1.50% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 1.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| DAVID QUACKENBUSH4 | 5353 S GENOA WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES, INC. | $164 | $0 | $164 | 5.03% |
| ANNETTE E WHITE INS SERVICES INC4 Filed as: ANNETTE E WHITE INSURANCE SERV | 10755 SCRIPPS POWAY PKWY 454 SAN DIEGO, CA 92131 | PRE-PAID LEGAL SERVICES, INC. | $52 | $0 | $52 | 1.59% |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 860 | $3.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 922 | $91K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 266 | $299K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 922 | $341K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 860 | $3.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 922 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 922 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.