| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGHORN & ASSOCIATES | P.O. BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.95% |
| BUILDING BLOCKS FOR BUSINESS LLC | 1140 N TOWN CENTER DR LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $9K | $49K | 20.00% |
| KINGHORN & ASSOCIATES | PO BOX 225 BONITA, CA 91908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | — | $25K | 10.15% |
| ROGER STUART KENCHEL | 2588 EL CAMINO REAL CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 4.81% |
| MARTHA ANGELICA HILL ESTRADA | 3196 HATHORN ST SAN DIEGO, CA 92104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $148 | $5K | 1.84% |
| GEORGE MICHAEL SORRENTINO | 1123 ALEXANDRIA DR SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.60% |
| ANTONIA DAVILA Filed as: ANTONIA MARIA RODRIGUEZ | 8932 CREEKFORD DR LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $922 | $90 | $1K | 0.41% |
| G SCOTT COOKE Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $706 | — | $706 | 0.29% |
| JENNIFER JEAN MOYA | 4620 PARTOW WAY OCEANSIDE, CA 92056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $495 | — | $495 | 0.20% |
| BELLA NATION BENEFITS LLC Filed as: BELLA NATIONS BENEFITS LLC | 8693 TARA HILL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | $5 | $493 | 0.20% |
| CHRISTINA D POLK INC4 Filed as: CHRISTINA D POLK | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | — | $463 | 0.19% |
| SUSIE A ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 0.17% |
| RAYMOND KWOCKMAN GONG | 2180 FENTON PARKWAY SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $17 | $249 | 0.10% |
| SAMAR BREIK ALBIN | 41572 VALOR DR MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $18 | $188 | 0.08% |
| RALPH F REA JR | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | — | $182 | 0.07% |
| DORIS ELFRIEDE KARRAS | 1938 KELLOGG AVE CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.06% |
| MIKE MCCORMICK | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.02% |
| CHARLES D. BLOCK Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DR HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.02% |
| PACIFIC BAY INSURANCE GROUP INC | 18301 VON KARMAN AVE IRVINE, CA 92612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.02% |
| HORIZON BENEFITS LLC | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $18 | $27 | 0.01% |
| MICHAEL SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.01% |
| COURTNEY MCFARLAND | 852 BAYWOOD DR NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.00% |
| CHELSEA L WARE LLC | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| KINGHORN & ASSOCIATES | PO BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRIX BENEFIT ADMINISTRATORS, INC EIN 77-0523382 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Direct payment from the plan Service code 12 | P.O. BOX 212199 CHULA VISTA, CA 91921 | $132K |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $270K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 194 | $247K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 283 | $270K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.