| 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. | $140K | $13K | $153K | 2.70% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SERVICES | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLANS, INC. | $29K | $0 | $29K | 0.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | SIMNSA | $69K | $0 | $69K | 5.00% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $518 | $5K | 2.50% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 Filed as: INTEGRATED EMP BEN AND OTHER AGENTS | 5880 VENTURE DR DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $320 | $4K | 2.33% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.03% |
| RALPH F REA JR3 Filed as: RALPH F. RHEA | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.36% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $404 | $3K | 1.35% |
| KINGSROAD FINANCIAL INSURANCE3 Filed as: KINGSROAD FINANCIAL INSURANCE SERV | 5405 MOREHOUSE DRIVE SAN DIEGO, CA 92121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $6K | $6K | $12K | 6.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | LOCKBOX 740659 LOS ANGELES, CA 90074 | EYEMED | $10K | $0 | $10K | 9.14% |
| SCOTT CASTEEL3 | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | UNION SECURITY INSURANCE COMPANY | $10K | $0 | $10K | 10.67% |
| DISABILITY RMS5 Filed as: DISABILITY RMS, INC. | ONE RIVERFRONT PLAZA WESTBROOK, ME 04092 | UNION SECURITY INSURANCE COMPANY | $0 | $4K | $4K | 4.30% |
| SUSIE A ESTRADA3 Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 3.41% |
| KINGSROAD FINANCIAL INSURANCE3 | 5405 MOREHOUSE DRIVE SUITE 230 SAN DIEGO, CA 92121 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 2.06% |
| THE ABACUS GROUP LLC3 Filed as: THE ABACUS GROUP AND OTHER AGENTS | 252 HARRY LAND BLVD SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | $865 | $756 | $2K | 1.67% |
| 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 | $1K | $1K | 1.50% |
| AMERICAN WORKSITE INS MKTG INC.3 Filed as: AMERICAN WORKSITE INS MKTG INC | 1200 E TAFT SAPULPA, OK 74066 | UNION SECURITY INSURANCE COMPANY | $912 | $0 | $912 | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | STANDARD INSURANCE COMPANY | $4K | $3K | $7K | 7.36% |
| DAVID QUACKENBUSH4 | 5353 S GENOA WAY CENTENNIAL, CO 80015 | PRE-PAID LEGAL SERVICES, INC. | $942 | $0 | $942 | 27.02% |
| ANNETTE E WHITE INS SERVICES INC4 Filed as: ANNETTE E WHITE INS SERVICES | 10755 SCRIPPS POWAY PKWY 454 SAN DIEGO, CA 92131 | PRE-PAID LEGAL SERVICES, INC. | $64 | $0 | $64 | 1.84% |
| TRACY M PORTER4 | 2139 HONEY DRIVE 109 SAN DIEGO, CA 92139 | PRE-PAID LEGAL SERVICES, INC. | $31 | $0 | $31 | 0.89% |
| JAZMIN S. STEELE4 Filed as: JAZMIN S STEELE | 1575 HUNTERS POINTE AVE CHULA VISTA, CA 91913 | PRE-PAID LEGAL SERVICES, INC. | $14 | $0 | $14 | 0.40% |
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 | 1,127 | 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) | 1,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 1,136 | $7.1M |
| Vision | EYEMED | 1,823 | $114K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,122 | $97K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 267 | $283K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,122 | $362K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS, INC. | 1,136 | $7.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,122 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.