| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | CALIFORNIA PHYSICIANS' SERVICE | — | $81K | $81K | 5.31% |
| FRENCH CORMANY INSURANCE SERVICES3 | ONE CORPORATE PARK, SUITE 150 IRVINE, CA 92606 | HUMANA INSURANCE COMPANY | $18K | $157 | $19K | 9.96% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | VISION SERVICE PLAN | $4K | — | $4K | 10.08% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE STE. 200 TUSTIN, CA 92780 | HUMANADENTAL INSURANCE COMPANY | $1K | $43 | $1K | 9.94% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $961 | — | $961 | 11.43% |
| RAMONA MARGARET DALY3 | 2877 CALLE HERALDO SAN CLEMENTE, CA 92673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 1.70% |
| METRO COAST INSURANCE SERVICES LLC3 | 39 AUBRIETA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.91% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.76% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.71% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.27% |
| 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 | $375 | — | $375 | 9.83% |
| ROBERT ELI WHITNEY3 | 28519 N 123RD LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.87% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | 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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 147 | $1.5M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 160 | $199K |
| Vision | VISION SERVICE PLAN | 180 | $39K |
| Life insurance(6 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 246 | $68K |
| Short-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $8K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 147 | $1.5M |
| Other(6 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 246 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.