| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGHORN & ASSOCIATES Filed as: KINGHORN, CRAIG F | PO BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.67% |
| BUILDING BLOCKS FOR BUSINESS LLC | 6170 N DURANGO DR STE 200 LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $4K | $30K | 12.53% |
| KINGHORN & ASSOCIATES | PO BOX 225 BONITA, CA 91908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 6.88% |
| ROGER STUART KENCHEL | 2588 EL CAMINO REAL CARLSBAD CARLSBARD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 2.68% |
| GEORGE MICHAEL SORRENTINO | 1123 ALEXANDRIA DR SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.58% |
| G SCOTT COOKE Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | — | $637 | 0.27% |
| MARTHA ANGELICA HILL ESTRADA | 3196 HAWTHORN ST SAN DIEGO, CA 92104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $408 | $63 | $471 | 0.20% |
| BELLA NATION BENEFITS LLC | 8693 TARA HILL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $450 | — | $450 | 0.19% |
| CHRISTINA D POLK INC Filed as: CHRISTINA D POLK INC. | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | — | $419 | 0.18% |
| JENNIFER JEAN MOYA | 24548 VIA LAS LADERAS MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | — | $398 | 0.17% |
| SUSIE A ESTRADA Filed as: SUSIE ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | — | $388 | 0.16% |
| RAYMOND KWOCKMAN GONG | 2180 FENTON PKWY SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 0.07% |
| RALPH F REA JR Filed as: RALPH F REA JR. | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 0.06% |
| SAMAR BREIK ALBIN | 41572 VALOR DR. MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.05% |
| LOYDA VALDEZ | 1511 CARDINAL PEAK LN LAS VEGAS, NV 89144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.03% |
| 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 | $50 | — | $50 | 0.02% |
| ANTONIA DAVILA Filed as: ANTONIA MARIA HOLDEN | 8932 CREEKFORD ST LAKESIDE, CA 92040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $5 | $48 | 0.02% |
| DOMINICK R SIRACUSA Filed as: DOMINICK MICHAEL SORRENTINO | 1123 ALEXANDRIA DR SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.02% |
| JAMOUR TEREZ MCINTYRE | 8074 SPENCER BUTTE CT LAS VEGAS, NV 89113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| COURTNEY MCFARLAND | 852 BAYWOOD DR. NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| HORIZON BENEFITS LLC | 9385 MILLER LANE GARDNER RIDGE, TX 78266 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| MICHAEL SNYDER | 19518 KILBOURN RD HARLINGEN, TX 78550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHELSEA L WARE LLC | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| KINGHORN & ASSOCIATES | P.O. BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 18.02% |
| KINGHORN & ASSOCIATES | PO BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRIX BENEFIT ADMINISTRATORS, INC EIN 77-0523382 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing Service code 12 | P.O. BOX 212199 CHULA VISTA, CA 91921 | $138K |
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(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $553K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $237K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $316K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 337 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.