| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | — | $36K | $36K | 5.26% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 5.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 9.94% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 5.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $143 | — | $143 | 10.19% |
| ARTUNIAN INSURANCE SERVICE3 Filed as: ARTUNIAN INSURANCE | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 1.24% |
| RAMONA MARGARET DALY3 | 402 CAMINO BANDERA SAN CLEMENTE, CA 92673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.15% |
| METRO COAST INSURANCE SERVICES LLC3 | 39 AUBRIETA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.62% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.53% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.53% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.18% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | — | $98 | 13.90% |
| ARTUNIAN INSURANCE SERVICE3 Filed as: ARTUNIAN INSURANCE | ONE CORPORATE PARK, SUITE 150 P.O. BOX 1365 IRVINE, CA 92606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 3.47% |
| ROBERT ELI WHITNEY3 | 1215 SAN JULIAN PLACE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.29% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 149 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $115K |
| Vision | VISION SERVICE PLAN | 97 | $2K |
| Life insurance(5 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 141 | $18K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 5 | $3K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 149 | $1.0M |
| Other(5 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 141 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.