| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $64K | $0 | $64K | 5.35% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE | $9K | $0 | $9K | 6.60% |
| BRIAN BILLING3 | PO BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE | $7K | $0 | $7K | 4.61% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN RD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $77 | $3K | 2.20% |
| MICHAEL MINNEY3 | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $608 | $2K | 1.56% |
| STEPHEN LEE MILLER3 | 12576 RIDEABOUT COURT SAN DIEGO, CA 92129 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $204 | $2K | 1.34% |
| EGLY GARCIA3 | 323 N LARK ELLEN AVENUE WEST COVINA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $133 | $2K | 1.17% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE | $601 | $568 | $1K | 0.82% |
| BRIAN ROOD3 | 9130 NORTH WOODLAWN DRIVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE | $104 | $121 | $225 | 0.16% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE | $185 | $0 | $185 | 0.13% |
| HELEN ZUCETH AREVALO3 | 7042 MCLENNAN AVENUE LAKE BALBOA, CA 91406 | COLONIAL LIFE & ACCIDENT INSURANCE | $184 | $0 | $184 | 0.13% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE | $154 | $0 | $154 | 0.11% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE | $89 | $21 | $110 | 0.08% |
| DUNNIA LEMPERT3 | 118 NIGHT HERON LANE ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE | $72 | $0 | $72 | 0.05% |
| MARIA VERONICA JARQUE3 | 8366 VIA SONOMA UNIT E LA JOLLA, CA 92037 | COLONIAL LIFE & ACCIDENT INSURANCE | $61 | $0 | $61 | 0.04% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER COURT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE | $54 | $0 | $54 | 0.04% |
| GABRIEL HOLGUIN3 | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE | $30 | $0 | $30 | 0.02% |
| CHARLOTTE MARTINEZ3 | 4424 COLDWATER CANYON STUDIO CITY, CA 91604 | COLONIAL LIFE & ACCIDENT INSURANCE | $23 | $4 | $27 | 0.02% |
| CALIFORNIA INSURANCE ADVOCATES INC3 Filed as: CALIFORNIA INSURANCE ADVOCATES | 41960 AVENDIA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE | $15 | $6 | $21 | 0.01% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE ST LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE | $20 | $0 | $20 | 0.01% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE | $12 | $0 | $12 | 0.01% |
| SHANIKA M. FISKE3 Filed as: SHANIKA M FISKE | PO BOX 8014 LAGUNA HILLS, CA 92654 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | $3 | $8 | 0.01% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE | $5 | $0 | $5 | 0.00% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING INC. | 9538 W PICO BLVD LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE | $3 | $1 | $4 | 0.00% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 228 | $1.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 228 | $1.2M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 228 | $1.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE | 140 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.