| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ORION RISK MANAGEMENT | 18575 JAMBOREE ROAD, SUITE 500 IRVINE, CA 92612 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $258K | — | $258K | 4.98% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SRVCS, LLC | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $44K | $2K | $47K | 10.42% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $15K | $44K | 15.09% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 9.05% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $277 | $6K | 3.51% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE SPC 112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $466 | $3K | 1.64% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $330 | $2K | 1.43% |
| MARIA VERONICA JARQUE3 Filed as: MARIA VERONICA JARQUE & OTHERS | 542 HOSMER STREET EL CAJON, CA 92020 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $52 | $2K | 1.40% |
| KRISTIN LEASE3 | 3890 HOWARD AVENUE LOS ALAMITOS, CA 90720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $454 | $940 | $1K | 0.86% |
| ASSUREDPARTNERS3 Filed as: BERTHA PATRICIA SHEPHERD | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | — | $590 | 0.36% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE SPC 112 TORRANCE, CA 90501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $334 | $111 | $445 | 6.94% |
| KRISTIN LEASE3 | 3890 HOWARD AVENUE LOS ALAMITOS, CA 90720 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | $226 | $286 | 4.46% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $228 | — | $228 | 3.56% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE WOODLAND HILLS, CA 91367 | THE PAUL REVERE LIFE INSURANCE COMPANY | $135 | — | $135 | 2.11% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | THE PAUL REVERE LIFE INSURANCE COMPANY | $122 | — | $122 | 1.90% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DRIVE MURRIETA, CA 92562 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.58% |
| MARIA VERONICA JARQUE3 Filed as: MARIA VERONICA JARQUE & OTHERS | 542 HOSMER STREET EL CAJON, CA 92020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.22% |
No Schedule C service providers reported on this filing.
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 622 | $5.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 774 | $448K |
| Vision | AETNA LIFE INSURANCE COMPANY | 774 | $448K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 528 | $292K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 528 | $454K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 528 | $292K |
| Prescription drug(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 622 | $5.2M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 528 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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.