| 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) | — | $80K | $80K | 5.31% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 9.76% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 4.31% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | VISION SERVICE PLAN | $2K | — | $2K | 9.19% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | KAISER FOUNDATION HEALTH PLAN INC. | $689 | — | $689 | 4.37% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $708 | — | $708 | 10.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $974 | — | $974 | 14.87% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE STE. 200 TUSTIN, CA 92780 | HUMANADENTAL INSURANCE COMPANY | $650 | — | $650 | 9.98% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $886 | — | $886 | 15.01% |
| RAMONA MARGARET DALY3 | 402 CAMINO BANDERA SAN CLEMENTE, CA 92673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 1.78% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.82% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.75% |
| METRO COAST INSURANCE SERVICES LLC3 | 39 AUBRIETA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.55% |
| PATRICK STABELL3 | 39 AUBRIETA RANCH SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.43% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.27% |
| ARTUNIAN INSURANCE SERVICE3 Filed as: ARTUNIAN INSURANCE | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.25% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1301 DOVE ST NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $394 | — | $394 | 10.17% |
| ARTUNIAN INSURANCE SERVICE3 Filed as: ARTUNIAN INSURANCE | ONE CORPORATE PARK, SUITE 150 P.O. BOX 1365 IRVINE, CA 92606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 1.24% |
| ROBERT ELI WHITNEY3 | 1215 SAN JULIAN PLACE SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.83% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.21% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.77% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | 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) | 153 | $1.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 156 | $116K |
| Vision | VISION SERVICE PLAN | 95 | $22K |
| Life insurance(6 contracts, 5 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 248 | $48K |
| Short-term disability(4 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 12 | $16K |
| Long-term disability | UNUM INSURANCE COMPANY | 12 | $7K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 153 | $1.6M |
| Other(6 contracts, 5 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 248 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
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.