| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAIG F KINGHORN | P.O. BOX 211236 CHULA VISTA, CA 91921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 3.85% |
| BUILDING BLOCKS FOR BUSINESS LLC | 10845 GRIFFITH PEAK DRIVE LAS VEGAS, NV 89135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 6.01% |
| STEPHEN WHITE | 615 SOUTH TWIN OAKS VALLEY ROAD SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 2.95% |
| CRAIG KINGHORN | PO BOX 225 BONITA, CA 91908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $465 | $7K | 2.68% |
| KINGHORN & ASSOCIATES Filed as: KINGHORN & ASSOCIATES INS & FINANCI | PO BOX 225 BONITA, CA 91908 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 1.91% |
| SAMAR BREIK ALBIN | 41572 VALOR DRIVE MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $952 | $4K | 1.33% |
| DESTINY MILLARD | 9335 E BASELINE ROAD MESA, AZ 85209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $781 | $2K | 0.91% |
| ANDREA MARIE TIERCE | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $736 | $2K | 0.86% |
| CHARLES D. BLOCK Filed as: CHARLES DUANE SMITH | 4040 EAST PIEDMONT DRIVE HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.72% |
| ROGER STUART KENCHEL | 2588 EL CAMINO REAL CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $419 | $2K | 0.63% |
| GEORGE MICHAEL SORRENTINO | 1123 ALEXANDRIA DRIVE SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $893 | $0 | $893 | 0.34% |
| MARTHA ANGELICA HILL ESTRADA | 2991 ESCALA CIRCLE SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $644 | $111 | $755 | 0.28% |
| MEGAN WILSON | 9360 WHITE WATER FALL AVE LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $503 | $141 | $644 | 0.24% |
| SCOTT CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $618 | $0 | $618 | 0.23% |
| SUSIE A ESTRADA | 25742 PARK AVE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $392 | $0 | $392 | 0.15% |
| TAMMY VAN HOUTEN-THOMPSON | 8693 TARA HILL AVE LAS VEGAS, NV 89148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $0 | $326 | 0.12% |
| CHELSEA L WARE LLC | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 0.11% |
| CHRISTINA D POLK INC | 9755 QUENCIA CT LAS VEGAS, NV 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $270 | $0 | $270 | 0.10% |
| CONSUMER DRIVEN BENEFITS LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $115 | $258 | 0.10% |
| DEL DOWNEY | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $202 | $14 | $216 | 0.08% |
| TINA HERNANDEZ | 11779 W COCOPAH STREET AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $143 | $37 | $180 | 0.07% |
| RAYMOND KWOCKMAN GONG | 2180 FENTON PKWY SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.06% |
| RALPH F REA JR | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $0 | $157 | 0.06% |
| MIKE MCCORMICK | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $3 | $24 | 0.01% |
| ELTHON ISRAEL CRUZ | 893 S 2100 WEST OREN, UT 84059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.01% |
| JENNIFER JEAN MOYA | 24548 VIA LAS LADERAS MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $4 | $16 | 0.01% |
| DOMINICK R SIRACUSA Filed as: DOMINICK MICHAEL SORRENTINO | 9110 W TROPICANA AVE LAS VEGAS, NV 89147 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.00% |
| LUKE SALERNO Filed as: LUKE A SALERNO | 6540 LUSK BLVD STE C 263 SAN DIEGO, CA 92121 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| COURTNEY MCFARLAND | 205 7TH STREET HUNTINGTON BEACH, CA 92648 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| ERIC BROGAN Filed as: ERIC SWANSON | 23522 VIA ALONDRA TRABUCO CANYON, CA 92679 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| KARLA ALEXANDER | 1612 EAGLE PEAK WAY LAS VEGAS, NV 89134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.00% |
| SUSAN GOLD STOKES | 17042 PINEHURST LANE, #D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| JOHN D EVANGELISTA | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| RYAN THURSTON WHITTAKER | 33011 COMMODORE CT SAN JUAN CAPO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| KINGHORN & ASSOCIATES | P.O. BOX 225 BONITA, CA 91908 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 19.00% |
| 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 | $152K |
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 | 289 | $577K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $266K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $311K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.