| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY CO INSURANCE BROKERS, INC.3 | 2107 N FIRST STREET SUITE 370 SAN JOSE, CA 95131 | HEALTHNET | $34K | $0 | $34K | 2.94% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C. FOY & ASSOCIATES INS SERV | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | HEALTHNET | $23K | $0 | $23K | 2.00% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 7.82% |
| BRIAN BILLING3 Filed as: BRIAN I BILLING | P.O. BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 6.02% |
| WILLIAM L WISER3 | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $106 | $3K | 2.48% |
| EGLY GARCIA3 | 323 N. LARK ELLEN AVENUE WEST COVINA, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $227 | $2K | 1.86% |
| MICHEAL J MINNEY3 | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $471 | $2K | 1.66% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $634 | $473 | $1K | 1.09% |
| STEPHEN LEE MILLER3 | 12576 RIDEABOUT COURT SAN DIEGO, CA 92129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | $62 | $877 | 0.86% |
| HELEN ZUCETH AREVALO3 | 7042 MCLENNAN AVE LAKE BALBOA, CA 91406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $651 | $0 | $651 | 0.64% |
| BRIAN ROOD3 | 9130 NORTH WOODLAWN DRIVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $651 | $0 | $651 | 0.64% |
| CHARLOTTE MARTINEZ3 | 4424 COLDWATER CANYON STUDIO CITY, CA 91604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $18 | $288 | 0.28% |
| DUNNIA LEMPERT3 | 118 NIGHT HERON LANE ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $0 | $189 | 0.19% |
| CALIFORNIA INSURANCE ADVOCATES INC3 Filed as: CALIFORNIA INSURANCE ADVOCATES INC. | 41960 AVENIDA DEANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $56 | $181 | 0.18% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCO, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $0 | $176 | 0.17% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCO, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.10% |
| GABRIEL HOLGUIN3 Filed as: GABRIEL HOLQUIN | 26342 FOREST BRIDGE DRIVE LAKE FOREST, CA 92630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $7 | $82 | 0.08% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 0.08% |
| MARIA C GONZALEZ3 Filed as: MARIA C. GONZALEZ | 116677 SANDPIPER COURT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.05% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING INC. | 9538 WEST PICO BLVD. LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $11 | $51 | 0.05% |
| SHANIKA M. FISKE3 Filed as: SHANIKA M FISKE | P.O. BOX 8014 LAGUNA HILLS, CA 92654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $10 | $24 | 0.02% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| MICHAEL F FAHEY III3 | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $3 | $9 | 0.01% |
| ELTHON ISRAEL CRUZ3 | 3800 WEST DEVONSHIRE AVE HEMET, CA 92545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKERS INC. | 21820 BURBANK BLVD. SUITE 330 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.78% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO INS BROKERS INC. | 21820 BURBANK BLVD. SUITE 330 WOODLAND HILLS, CA 91367 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $2K | $0 | $2K | 9.93% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | $0 | $395 | 4.33% |
| WILLIAM L WISER3 | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | $10 | $317 | 3.48% |
| BRIAN BILLING3 | P.O. BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $0 | $288 | 3.16% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $21 | $99 | 1.09% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $9 | $54 | 0.59% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCO, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHNET | 232 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $50K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 151 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.