| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMAR BREIK ALBIN3 | 41572 VALOR DR. MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $3K | $16K | 5.43% |
| CRAIG F KINGHORN3 Filed as: CRAIG F KIGHORN | PO BOX 211236 CHULA VISTA, CA 91921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 2.45% |
| SAMANTHA JACOBS3 | 5056 PLAZA PROMENADE SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $245 | $7K | 2.28% |
| PJNP INC3 | 310 S TWIN OAKS VLY RD # 107-2 SAN MARCOS, CA 92078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $825 | $6K | 2.05% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 1.86% |
| JULIE ANNE KINGHORN3 | PO BOX 211236 CHULA VISTA, CA 91921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 1.78% |
| ACRIALPS LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.46% |
| LORI LAINE3 | 34676 CONADRIA AVENUE YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 1.05% |
| STEPHEN WHITE3 | 2400 WATERMARK BLVD. OKLAHOMA CITY, OK 73134 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.84% |
| KINGHORN & ASSOCIATES3 Filed as: KINGHORN & ASSOCIATES INS & FINANCI | PO BOX 211236 CHULA VISTA, CA 91921 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.76% |
| ERIC CHRISTOPHER LAINE3 | 34676 CONADRIA AVENUE YUCAIPA, CA 92399 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $2K | $2K | 0.66% |
| SUSIE A ESTRADA3 | S25742 PARK AVE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $520 | $39 | $559 | 0.19% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 W JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | — | $526 | 0.18% |
| RALPH F REA JR3 | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | — | $254 | 0.09% |
| ROGER STUART KENCHEL3 | 2588 EL CAMINO REAL STE F188 CARLSBAD, CA 92008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.06% |
| BARBARA ELLEN SMITH3 | 4040 EAST PIEDMONT DR. SPC 228 HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.02% |
| CHELSEA L WARE LLC3 | 233 W 21ST ST. NEW YORK, NY 89149 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.01% |
| RAYMOND KWOCKMAN GONG3 | 1907 COLUMBIA ST APT 501 SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.01% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.01% |
| MARTHA ANGELICA HILL ESTRADA3 | 2991 ESCALA CIR SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| MICHAEL MINNEY3 | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.00% |
| COURTNEY MCFARLAND3 | 8321 W SAHARA AVE APT 2128 LAS VEGAS, NV 89117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| LUKE SALERNO3 Filed as: LUKE A SALERNO | 3985 CARMEL BROOKS WAY SAN DIEGO, CA 92130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN D EVANGELISTA3 | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KINGHORN & ASSOCIATES3 Filed as: KINGHORN, CRAIG | PO BOX 211236 CHULA VISTA, CA 91921 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| KINGHORN & ASSOCIATES3 | PO BOX 211236 CHULA VISTA, CA 91921 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRIX BENEFIT ADMINISTRATORS, INC EIN 77-0523382 THIRD PARTY | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | P.O. BOX 212199 CHULA VISTA, CA 770523382 | $325K |
| KINGHORN & ASSOCIATES NONE | Claims processing; Insurance brokerage commissions and fees; Contract Administrator Service code 12 | 817 BOW SPRIT ROAD SUITE 200 CHULA VISTA, CA 91914 | $119K |
| LLME EIN 33-0690020 CPA | Accounting (including auditing) Service code 10 | — | $18K |
| AMERICAN HEALTH UR, PRE-CERT, AND TAN | Other services Service code 49 | 7400 W CAMPUS ROAD F510 NEW ALBANY, OH 43054 | $15K |
| EBA&M PBM | Other services Service code 49 | 18952 MACARTHUR BLVD, SUITE 4A IRVINE, CA 92612 | $11K |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 259 | $298K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 259 | $298K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.