| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C FOY & ASSOCIATES | 6200 CANOGA AVE., SUITE 325 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $102K | $0 | $102K | 5.85% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $9K | $0 | $9K | 5.92% |
| BRIAN BILLING3 | P.O. BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $7K | $0 | $7K | 4.41% |
| STEPHEN W MILLER3 Filed as: STEPHEN MILLER | 12576 RIDEABOUT CT SAN DIEGO, CA 92129 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $0 | $2K | 1.46% |
| ANTONIA MARIE HOLDEN3 Filed as: ANTONIA HOLDEN | 8932 CREEKFORD ST LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $229 | $2K | 1.38% |
| MIKE MINNEY3 | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $467 | $2K | 1.31% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $4 | $2K | 1.31% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH ST NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $692 | $330 | $1K | 0.65% |
| ROSE VILLALON PASQUEL3 Filed as: ROSE PASQUEL | 552 E CARSON ST CARSON, CA 90745 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $458 | $69 | $527 | 0.34% |
| EGLY GARCIA3 | 323 N LARK ELLEN AVE WEST COVIMA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $307 | $38 | $345 | 0.22% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $289 | $26 | $315 | 0.20% |
| SILVIA AGUILAR ALVISO3 Filed as: SILVIA ALVISO | 3553 TWOGOOD LANE RIVERSIDE, CA 92501 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $141 | $31 | $172 | 0.11% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $143 | $0 | $143 | 0.09% |
| NORMA ZAMORA VELASQUEZ3 Filed as: NORMA VELAZQUEZ | 1602 E WORKMAN AVE WEST COVINA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $115 | $0 | $115 | 0.07% |
| MARGARITA ALEJANDRA RAMIREZ3 Filed as: MARGARITA RAMIREZ | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $62 | $0 | $62 | 0.04% |
| MARIA RUBY QUINTANA3 Filed as: MARIA QUINTANA | 12141 CENTRALIA ST LAKEWOOD, CA 90715 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $35 | $16 | $51 | 0.03% |
| YOLO ENTERPRISE INC3 | 2581 HILLCREST ST SIGNAL HILL, CA 90755 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $35 | $7 | $42 | 0.03% |
| TIM CHRISTOPHER ELLIS3 Filed as: TIM ELLIS | P.O. BOX 483 ORANGE, CA 92856 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $31 | $10 | $41 | 0.03% |
| MARIA VERONICA JARQUE3 Filed as: MARIA JARQUE | 701 WRELTON DRIVE SAN DIEGO, CA 92109 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $38 | $0 | $38 | 0.02% |
| MARIA GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $38 | $0 | $38 | 0.02% |
| BENEFITS EXCHANGE ALLIANCE3 | 6083 NORTH FIGGARDEN DRIVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $31 | $0 | $31 | 0.02% |
| MARTHA R BAEZ3 Filed as: MARTHA BAEZ | 2179 OLD BRIDGE RD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $19 | $0 | $19 | 0.01% |
| LUIS RAFAEL VALLE3 Filed as: LUIS VALLE | 2354 CHATKA LANE SAN BERNADINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $12 | $1 | $13 | 0.01% |
| MARIA YVONNE RODIGHIERO3 Filed as: MARIA RODIGHIERO | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $8 | $0 | $8 | 0.01% |
| LAMBERT MONTALBO3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $4 | $0 | $4 | 0.00% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3 | $0 | $3 | 0.00% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $0 | $2K | 7.38% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $5 | $2K | 7.12% |
| BRIAN BILLING3 | P.O. BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 5.66% |
| MICHAEL MINNEY3 | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $429 | $150 | $579 | 2.42% |
| ROSE VILLALON PASQUEL3 Filed as: ROSE PASQUEL | 552 E CARSON ST CARSON, CA 90745 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $458 | $69 | $527 | 2.20% |
| EGLY GARCIA3 | 323 N LARK ELLEN AVE WEST COVINA, CA 91791 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $307 | $38 | $345 | 1.44% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $289 | $26 | $315 | 1.32% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $130 | $74 | $204 | 0.85% |
| MARGARITA ALEJANDRA RAMIREZ3 Filed as: MARGARITA RAMIREZ | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $62 | $0 | $62 | 0.26% |
| TIM CHRISTOPHER ELLIS3 Filed as: TIM ELLIS | P.O. BOX 483 ORANGE, CA 92856 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $31 | $10 | $41 | 0.17% |
| MARIA VERONICA JARQUE3 Filed as: MARIA JARQUE | 701 WRELTON DRIVE SAN DIEGO, CA 92109 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $38 | $0 | $38 | 0.16% |
| LUIS RAFAEL VALLE3 Filed as: LUIS VALLE | 2354 CHATKA LANE SAN BERNANDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $12 | $1 | $13 | 0.05% |
| GOLD RIVER FINANCIAL GROUP LLC3 Filed as: GOLD RIVER FINANCIAL | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3 | $0 | $3 | 0.01% |
| 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 Filed as: ROBERT WHITNEY | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2 | $0 | $2 | 0.01% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C FOY & ASSOCIATES | 6200 CANOGA AVE., SUITE 325 WOODLAND HILLS, CA 91367 | EYEMED | $2K | $0 | $2K | 9.68% |
| NEIL SKOLNICK3 | 34039 TUSCAN WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 6.81% |
| BRIAN BILLING3 | P.O. BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $35 | $0 | $35 | 0.21% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2 | $2 | $4 | 0.02% |
| MARIA YVONNE RODIGHIERO3 Filed as: MARIA RODIGHIERO | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3 | $0 | $3 | 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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 280 | $1.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 280 | $1.7M |
| Vision | EYEMED | 301 | $18K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 280 | $1.7M |
| Other(4 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 280 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.