| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | AETNA HEALTH OF CALIFORNIA INC | $136K | — | $136K | 5.38% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH OF CALIFORNIA INC | $27K | — | $27K | 1.08% |
| ELIZABETH REYNERTSON3 | 8513 DAY ST SUNLAND, CA 91040 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $8K | — | $8K | 7.54% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $7K | — | $7K | 6.46% |
| RONNY ANN WARNER3 | 470 E WHITBECK ST KUNA, CA 83634 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $2K | $30 | $2K | 1.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $1K | — | $1K | 1.31% |
| MCCAREY INC3 | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $813 | $236 | $1K | 1.01% |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVE UNIT 112 TORRANCE, CA 90501 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $668 | $22 | $690 | 0.67% |
| VGM BENEFIT ENROLLMENTS LLC3 Filed as: VGM BENEFITS ENROLLMENTS LLC | 30310 HORSETHIEF DR TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $191 | $150 | $341 | 0.33% |
| LISA ANN MCLAUGHLIN3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $283 | $36 | $319 | 0.31% |
| VINCENT GERARD MCLAUGHLIN3 | 30310 HORSETHIEF DR TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $176 | $109 | $285 | 0.28% |
| SHANE G ROSS3 | 620 E CABERNET COURT UPLAND, CA 91786 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $162 | — | $162 | 0.16% |
| ELIZABETH J DOWNEY3 | 2883 OAKWOOD DR PORT HURON, MI 480601794 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $73 | — | $73 | 0.07% |
| UNIVERSAL BENEFIT INS AGY3 | C/O ANNABEL CURTIS SAINT GEORGE, CA 94771 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $20 | — | $20 | 0.02% |
| DEBORAH ALEXAKOS3 | 1727 WEST GREENHEAD DR MERIDIAN, ID 83642 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $10 | — | $10 | 0.01% |
| JIM BARRETT3 | 8514 EAST KRAIL ST SCOTTSDALE, AZ 85250 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $7 | — | $7 | 0.01% |
| COHR INCORPORATED3 | 10510 TWIN LAKE PARKWAY CHARLOTTE, NC 28269 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $6 | — | $6 | 0.01% |
| NOEL HASERT3 | 5104 E AZALEA CIR SIOUX FALLS, SD 57108 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $6 | — | $6 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN AND ASSOCIATES INCORPORATED | 9795 GATEWAY DR RENO, NV 89521 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $1 | — | $1 | 0.00% |
| HURTADO & ASSOCIATES LLC3 Filed as: HURTADO AND ASSOCIATES LLC | 11309 BORSON ST NORWALK, CA 90650 | COLONIAL LIFE AND ACCIDENT INS COMPANY | $1 | — | $1 | 0.00% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 2.00% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 5.00% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BEAUMARC GROUP INC3 | PO BOX 33242 LONG BEACH, CA 908323242 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 9.86% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $283 | — | $283 | 1.10% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 277 | $2.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 156 | $147K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 293 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $36K |
| Prescription drug | AETNA HEALTH OF CALIFORNIA INC | 277 | $2.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.