| 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 | $94K | $0 | $94K | 6.39% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $6K | $0 | $6K | 5.14% |
| BRIAN BILLING3 | PO BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $4K | $0 | $4K | 3.92% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $69 | $2K | 1.72% |
| EGLY GARCIA3 | 323 N LARK ELLEN AVE WEST COVINA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $97 | $1K | 1.28% |
| MICHAEL MINNEY3 | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $875 | $134 | $1K | 0.93% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $464 | $169 | $633 | 0.58% |
| NORMA ZAMORA VELASQUEZ3 Filed as: NORMA VELAZQUEZ | 1602 E WORKMAN AVENUE WEST COVINA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $431 | $95 | $526 | 0.48% |
| STEPHEN LEE MILLER3 | 12576 RIDEABOUT COURT SAN DIEGO, CA 92129 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $281 | $0 | $281 | 0.26% |
| TIM CHRISTOPHER ELLIS3 | P.O. BOX 483 ORANGE, CA 92856 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $123 | $44 | $167 | 0.15% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $139 | $0 | $139 | 0.13% |
| BRIAN ROOD3 | 9130 NORTH WOODLAWN DRIVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $92 | $18 | $110 | 0.10% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $66 | $0 | $66 | 0.06% |
| MARIA VERONICA JARQUE3 | 4085 NOBEL DRIVE #29 SAN DIEGO, CA 92122 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $49 | $0 | $49 | 0.05% |
| MARIA GONZALEZ3 | 11677 SANDPIPER CT. MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $38 | $0 | $38 | 0.03% |
| BENEFITS EXCHANGE ALLIANCE Filed as: BENEFITS EXCHANGE ALLIANCE INC. | 5118 E CLINTON WAY FRESNO, CA 93727 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $37 | $0 | $37 | 0.03% |
| MARTHA R BAEZ3 Filed as: MARTHA BAEZ | 2179 OLD BRIDGE RD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $18 | $0 | $18 | 0.02% |
| BARRY W MAAS3 Filed as: BARRY MAAS | P.O. BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $6 | $4 | $10 | 0.01% |
| GABRIEL HOLGUIN3 | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $7 | $0 | $7 | 0.01% |
| LAMBERT MONTALBO3 | 26197 MIRADA ST HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $5 | $0 | $5 | 0.00% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $4 | $0 | $4 | 0.00% |
| MICHAEL MINNEY3 | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $286 | $65 | $351 | 2.22% |
| MARTHA R BAEZ3 Filed as: MARTHA BAEZ | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | $0 | $2 | 0.01% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | $0 | $2 | 0.01% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1K | $0 | $1K | 7.64% |
| STEPHEN W MILLER3 Filed as: STEPHEN MILLER | 12576 RIDEABOUT CT SAN DIEGO, CA 92129 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $475 | $0 | $475 | 3.15% |
| MICHAEL MINNEY3 | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $212 | $26 | $238 | 1.58% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $98 | $0 | $98 | 0.65% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE ST LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $20 | $0 | $20 | 0.13% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $15 | $0 | $15 | 0.10% |
| EGLY GARCIA3 | 323 N LARK ELLEN AVE WEST COVINA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $13 | $1 | $14 | 0.09% |
| MARIA GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $11 | $0 | $11 | 0.07% |
| MARIA VERONICA JARQUE3 | 4085 NOBEL DRIVE #29 SAN DIEGO, CA 92122 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $6 | — | $6 | 0.04% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $3 | $0 | $3 | 0.02% |
| BRIAN ROOD3 | 9130 NORTH WOODLAWN DRIVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | $1 | $2 | 0.01% |
| BARRY W MAAS3 Filed as: BARRY MAAS | P.O. BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | $1 | $2 | 0.01% |
| MARTHA R BAEZ3 Filed as: MARTHA BAEZ | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | $0 | $1 | 0.01% |
| LAMBERT MONTALBO3 | 26197 MIRADA ST HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | $0 | $1 | 0.01% |
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | EYEMED | $682 | $0 | $682 | 8.49% |
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 | 274 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 274 | $1.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 274 | $1.5M |
| Vision | EYEMED | 217 | $8K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 274 | $1.5M |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE CO. | 126 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.