| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | ANTHEM BLUE CROSS OF CALIFORNIA | $28K | $0 | $28K | 11.85% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $0 | $1K | 2.75% |
| WILLIAM L WISER3 | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1K | $0 | $1K | 4.61% |
| BRIAN BILLING3 | PO BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $897 | $0 | $897 | 3.65% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $853 | $0 | $853 | 3.47% |
| MICHAEL MINNEY3 | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $229 | $0 | $229 | 0.93% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $151 | $0 | $151 | 0.61% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $129 | $0 | $129 | 0.53% |
| ROBERT ELI WHITNEY3 | 28519 N 123RD LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2 | $0 | $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 | 0.00% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $681 | $2K | 12.88% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P O BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $0 | $2K | 10.50% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN ROAD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2K | $0 | $2K | 8.86% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $747 | $356 | $1K | 5.97% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $425 | $296 | $721 | 3.90% |
| JOSEPH RUBINO3 | 2490 GROSSMONT COLLEGE DRIVE EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $683 | $14 | $697 | 3.77% |
| MICHAEL F FAHEY III3 | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $258 | $181 | $439 | 2.37% |
| NEIL SKOLNICK3 | 34039 TUSCAN CREEK WAY TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $675 | $0 | $675 | 5.03% |
| MAIRA MAGALI ORTIZ3 | 43642 35TH ST EAST LANCASTER, CA 93535 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $276 | $16 | $292 | 2.18% |
| WILLIAM L WISER3 Filed as: WILLIAM WISER | 12725 JARDIN RD SAN DIEGO, CA 92128 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $201 | $0 | $201 | 1.50% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $158 | $0 | $158 | 1.18% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $80 | $38 | $118 | 0.88% |
| STEPHEN LEE MILLER3 | 12576 RIDEABOUT CT SAN DIEGO, CA 92129 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $66 | $0 | $66 | 0.49% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $39 | $0 | $39 | 0.29% |
| KEYSHA LATRICE GWIN3 | 1357 SOUTH STANLEY DRIVE LOS ANGELES, CA 90019 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $21 | $12 | $33 | 0.25% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $21 | $7 | $28 | 0.21% |
| CURTIS ALBERTO CANETT3 | 21901 JINETES MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $25 | $0 | $25 | 0.19% |
| ROSE VILLALON PASQUEL3 | 552 E CARSON ST CARSON, CA 90745 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $20 | $0 | $20 | 0.15% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE ST LAKE ELSINORE, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $18 | $0 | $18 | 0.13% |
| MARIA C GONZALEZ3 | 11677 SANDPIPER CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $9 | $0 | $9 | 0.07% |
| MANDY ELIZABETH SIMON3 | 4900 PLANET CT LAS VEGAS, NV 89130 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $7 | $0 | $7 | 0.05% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA ST SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $6 | $0 | $6 | 0.04% |
| BRIAN BILLING3 | PO BOX 579 HERMOSA BEACH, CA 90254 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $5 | $0 | $5 | 0.04% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3 | $1 | $4 | 0.03% |
| VALOR BENEFITS3 | 12125 KOUDEKERK STREET ARTESIA, CA 90701 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $2 | $1 | $3 | 0.02% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $3 | $0 | $3 | 0.02% |
| MARTHA R BAEZ3 Filed as: MARTHA BAEZ | 2179 OLD BRIDGE ROAD RIVERSIDE, CA 92506 | COLONIAL LIFE & ACCIDENT INSURANCE CO. | $1 | $0 | $1 | 0.01% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVENUE SUITE 325 WOODLAND HILLS, CA 91367 | EYEMED | $1K | $0 | $1K | 9.59% |
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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 362 | $272K |
| Dental | ANTHEM BLUE CROSS OF CALIFORNIA | 362 | $234K |
| Vision | EYEMED | 346 | $11K |
| Life insurance | ANTHEM BLUE CROSS OF CALIFORNIA | 362 | $234K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 111 | $37K |
| Other(4 contracts, 2 carriers) | ANTHEM BLUE CROSS OF CALIFORNIA | 362 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.