| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGHORN & ASSOCIATES3 | P.O. BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 6.90% |
| BUILDING BLOCKS FOR BUSINESS LLC3 | 11440 N TOWN CENTER DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $5K | $13K | 9.45% |
| KINGHORN & ASSOCIATES3 | P.O. BOX 225 BONITA, CA 91908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 5.67% |
| ROGER STUART KENCHEL3 Filed as: ROGER S KENCHELL | 2588 EL CAMINO REAL CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $375 | $5K | 3.66% |
| GEORGE MICHAEL SORRENTINO3 Filed as: GEORGE M SORRENTINO | 1123 ALEXANDRIA DR SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.52% |
| CHRISTINA D POLK INC3 | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $69 | $2K | 1.11% |
| SAMAR BREIK ALBIN3 Filed as: SAMAR B ALBIN | 41572 VALOR DR MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $190 | $2K | 1.09% |
| BELLA NATION BENEFITS LLC3 | 8696 TARA HILL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $50 | $1K | 0.85% |
| RAYMOND KWOCKMAN GONG3 Filed as: RAYMOND GONG | 2180 FENTON PARKWAY SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $815 | $192 | $1K | 0.73% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | — | $677 | 0.49% |
| DORIS ELFRIEDE KARRAS3 Filed as: DORIS E KARRAS | 1938 KELLOGG AVE CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | — | $458 | 0.33% |
| CHELSEA L WARE LLC3 Filed as: CHELSEA L WARE | 1140 N TOWN CENTER DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $16 | $437 | 0.32% |
| SUSIE A ESTRADA3 | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $357 | — | $357 | 0.26% |
| ANTONIA MARIE HOLDEN3 Filed as: ANTONIA M RODRIGUEZ | 8932 CREEKFORD DR LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | — | $249 | 0.18% |
| RALPH F REA JR3 | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.10% |
| PACIFIC BAY INSURANCE GROUP INC3 | 18301 VON KARMAN AVE IRVINE, CA 92612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.04% |
| MIKE MCCORMICK3 | 348 S STRONGS CT SALT LAKE CITY, UT 84102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.04% |
| CHARLES D SMITH3 | 4040 EAST PIEDMONT DRF HIGHLAND, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.04% |
| MARTHA ANGELICA HILL ESTRADA3 Filed as: MARTHA A ESTRADA | 3196 HAWTHORN ST SAN DIEGO, CA 92104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.03% |
| MARIA E GONZALEZ3 | 9655 WAUKEGAN AVE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| COURTNEY MCFARLAND3 | 7804 SMOKERISE CT LAS VEGAS, NV 89131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COASTAL TPA, INC. EIN 77-0523382 THIRD PARTY ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $98K |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $436K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 153 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $299K |
| Stop-loss / reinsurancereinsurance | USBENEFITS INSURANCE SERVICES, LLC | 271 | $516K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.