| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | SIMNSA | $63K | $0 | $63K | 5.00% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 2.89% |
| KINGSROAD FINANCIAL INSURANCE3 | 5405 MOREHOUSE DRIVE SUITE 230 SAN DIEGO, CA 92121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| HEALTHSCOPE BENEFITS, INC.3 Filed as: HEALTHSCOPE BEN. AND OTHER AGENTS | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2 | $2K | 0.98% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| INTEGRATE EMP BENEFIT SOLUTIONS3 | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.86% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | $112 | $997 | 0.58% |
| RALPH F REA JR3 Filed as: RALPH F. REA | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92668 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $722 | $0 | $722 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 5.21% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP, LLC | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $11K | $0 | $11K | 10.46% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNION SECURITY INSURANCE COMPANY | $8K | $0 | $8K | 8.03% |
| DISABLITY RMS, INC.5 | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | $0 | $4K | $4K | 4.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AND OTHER AGENTS | PO BOX 85638 SAN DIEGO, CA 92186 | UNION SECURITY INSURANCE COMPANY | $2K | $299 | $2K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORSTER & CROSBY | MELLON BANK CENTER 1735 MARKET STREET PHILADELPHIA, PA 19103 | UNION SECURITY INSURANCE COMPANY | $0 | $2K | $2K | 1.50% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 1.50% |
| AMERICAN WORKSITE INS MKTG INC.3 Filed as: AMERICAN WORKSITE INS MKTG INC | 1365 WEST VISTA WAY SUITE 201 VISTA, CA 92083 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 1.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | EYEMED | $9K | $0 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.83% |
| DAVID QUACKENBUSH4 | 5353 S GENOA WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES, INC. | $786 | $0 | $786 | 22.64% |
| 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. | $100 | $0 | $100 | 2.88% |
| TRACY M PORTER4 | 2139 HONEY DRIVE 109 SAN DIEGO, CA 92139 | PRE-PAID LEGAL SERVICES, INC. | $28 | $0 | $28 | 0.81% |
| JAZMIN S. STEELE4 Filed as: JAZMIN S STEELE | 1575 HUNTERS POINTE AVE CHULA VISTA, CA 91913 | PRE-PAID LEGAL SERVICES, INC. | $13 | $0 | $13 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLANS, INC. | $157K | $2K | $159K | — |
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 | 983 | 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) | 983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SIMNSA | 1,011 | $1.3M |
| Vision | EYEMED | 1,650 | $92K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,019 | $75K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 241 | $273K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,019 | $307K |
| Prescription drug(3 contracts, 2 carriers) | SIMNSA | 1,011 | $1.3M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,019 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,650 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.