| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | — | $100K | $100K | 5.27% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | HUMANA INSURANCE COMPANY | $20K | — | $20K | 9.51% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | VISION SERVICE PLAN | $4K | — | $4K | 10.02% |
| 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 | $5K | — | $5K | 15.00% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| D2 ENROLL, LLC3 | 1960 ASH DR LAKE HAVASU CITY, AZ 86403 | UNUM INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE STE. 200 TUSTIN, CA 92780 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 9.57% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $637 | — | $637 | 7.55% |
| D2 ENROLL, LLC3 | 1960 ASH DR LAKE HAVASU CITY, AZ 86403 | UNUM INSURANCE COMPANY | $637 | — | $637 | 7.55% |
| FRENCH CORMANY INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $891 | — | $891 | 10.93% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM INSURANCE COMPANY | $634 | — | $634 | 7.91% |
| D2 ENROLL, LLC3 | 1960 ASH DR LAKE HAVASU CITY, AZ 86403 | UNUM INSURANCE COMPANY | $634 | — | $634 | 7.91% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | — | $650 | 8.27% |
| D2 ENROLL, LLC3 | 1960 ASH DR LAKE HAVASU CITY, AZ 86403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $650 | — | $650 | 8.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $433 | — | $433 | 5.51% |
| RAMONA MARGARET DALY3 | 2877 CALLE HERALDO SAN CLEMENTE, CA 92673 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 1.91% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 1.14% |
| METRO COAST INSURANCE SERVICES LLC3 | 25950 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 1.14% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.84% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.40% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $206 | — | $206 | 9.49% |
| ROBERT ELI WHITNEY3 | 28519 N 123RD LANE PEORIA, AZ 85383 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.10% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 300 | $1.9M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 160 | $230K |
| Vision | VISION SERVICE PLAN | 196 | $43K |
| Life insurance(5 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 291 | $70K |
| Short-term disability(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $21K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 18 | $16K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CALIFORNIA) | 300 | $1.9M |
| Other(8 contracts, 5 carriers) | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 291 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.