| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 5.01% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 4.95% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 9.93% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.08% |
| METRO COAST INSURANCE SERVICES LLC3 | 39 AUBRIETA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 2.44% |
| ARTUNIAN INSURANCE SERVICE3 Filed as: ARTUNIAN INSURANCE | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 2.26% |
| RAMONA MARGARET DALY3 | 402 CAMINO BANDERA SAN CLEMENTE, CA 92673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 2.07% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.82% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.56% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.25% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $620 | — | $620 | 10.32% |
| ARTUNIAN INSURANCE SERVICE3 Filed as: ARTUNIAN INSURANCE | ONE CORPORATE PARK, SUITE 150 P.O. BOX 1365 IRVINE, CA 92606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 2.32% |
| ROBERT ELI WHITNEY3 | 1132 SAN MARINO DRIVE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 1.08% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.28% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 3.40% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $283 | — | $283 | 13.85% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66 | — | $66 | 9.92% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $504K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $112K |
| Vision | VISION SERVICE PLAN | 102 | $27K |
| Life insurance(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 145 | $25K |
| Short-term disability(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $17K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10 | $2K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $447K |
| Other(5 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 145 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.