| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231K | $175K | $406K | 19.90% |
| BRYCE ALEXANDER KORNGOLD3 | 25950 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336K | $30K | $366K | 17.97% |
| KIMBERLY CORRIE JAMES3 | 18197 AZTEC CT FOUNTAIN VALLEY, CA 92708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94K | — | $94K | 4.59% |
| RACHAEL DARLENE DUBE3 | 1 PEBBLEWOOD IRVINE, CA 92604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $4K | $19K | 0.91% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 E. DEERE AVE SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 0.25% |
| CHRISTOPHER KYLE JACKSON3 | 1250S. BROOKHURSTST#2106 ANAHEIM, CA 92804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.17% |
| MICHAEL KAVOUKLIS3 Filed as: MICHAEL TODD O GRADY | 25950 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.11% |
| KYLE KEITH3 | 2237 WATERMARKE P IRVINE, CA 92612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.10% |
| MARIA MERCEDES TOGNOLI3 | 17 SARACENO NEWPORT COAST, CA 92657 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $960 | $368 | $1K | 0.07% |
| MARYNA KORENEVA3 | 13 MERANO MISSION VIEJO, CA 92692 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $738 | $486 | $1K | 0.06% |
| TINA HERNANDEZ3 | 11779 W COCOPAH ST AVONDALE, AZ 85323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $729 | $223 | $952 | 0.05% |
| MICHELLE CARLOTTA HARDAWAY3 | 947 E TWILL CT ANAHIEM, CA 92804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $30 | $553 | 0.03% |
| SHIH JU HUANG3 | 2400 MAIN STREET SUIT 200 IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $200 | $485 | 0.02% |
| CARLOS MENDEZ3 | 1936 E DEERE AVE STE 215 SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $360 | $478 | 0.02% |
| SHARI ILENE BIALICK ROSEMBLAT3 | 1846 HI POINT ST LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $378 | $3 | $381 | 0.02% |
| INOCENCIA MAY CRAWFORD3 | 3055 FOORHILL BLVD #3 LA CRESCENTA, CA 91214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 0.02% |
| SARA I CHEVERE3 | 321 VENETO IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 0.01% |
| JANELLE MARIE AGAGON3 | 3999 LEWIS AVENUE LONG BEACH, CA 90807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | $28 | $195 | 0.01% |
| BOB BLAKE & ASSOCIATES INC3 Filed as: BOB BLAKE & ASSOCIATES | 444 W. OCEAN BLVD LONG BEACH, CA 90802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.01% |
| MELINA CASTRO LOPEZ3 | 2011 NORTH DEREK DRIVE FULLERTON, CA 92831 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WEST IN | PO BOX 905494 CHARLOTTE, NC 28290 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.01% |
| CARMEN LOPEZ3 | 4655 WEST 1ST STREET LOS ANGELES, CA 90004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.01% |
| JOCELYN RODRIGUEZ3 | 4801 W. FIRST ST. SANTA ANA, CA 92703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $140 | — | $140 | 0.01% |
| YOLO ENTERPRISE INC3 | 5460 F EL PRAQUE ST LONG BEACH, CA 90815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $34 | $131 | 0.01% |
| YOLANDA VANN3 | 14461 RED HILL AVE TUSTIN, CA 92780 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.01% |
| GROUP SUPPLEMENTAL BENEFITS INC3 | 1003 EAST COOLEY DR STE# 211 COLTON, CA 92324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.01% |
| KATHY JO ANDERSON3 | 4323 YOSEMITE WAY LOS ANGELES, CA 90065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $0 | $98 | 0.00% |
| M B ELLISON INC3 | 834 E 4TH STREET LONG BEACH, CA 90802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.00% |
| JILLIAN AMBER SHARP3 | 2281 FAUST AVE LONG BEACH, CA 90815 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | $1 | $62 | 0.00% |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 0UTRIGGERAVE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.00% |
| AUSTIN CHAMBERLAIN3 | 22231 AMBER ROSE MISSION VIEJO, CA 92692 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.00% |
| JOHN M FICKEWIRTH AND ASOC3 | P0 BOX 3617 VENTURA, CA 93006 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.00% |
| GIOVANNA HUGHES3 | P.O. BOX 1161 STUDIO CITY, CA 91614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $3 | $36 | 0.00% |
| TERESA PHILLIPS3 | 1742W LINCOLN AVE ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.00% |
| DESIREE ACOSTA3 | 3834W AVE 43 #12 LOS ANGELES, CA 90041 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| BILLY WALKER3 | 406 WEST LINDEN DRIVE ORANGE, CA 92865 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.00% |
| TAMARA BRANCH3 | 3989 S. ORANGE DRIVE LOS ANGELES, CA 90008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| MARTIN A MANNINGS3 | 3553 ATLANTIC AVE LONG BEACH, CA 90807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $3 | $15 | 0.00% |
| THERESA S MOULTRIE3 | 5468 9TH AVE LOS ANGELES, CA 90043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| MARIA JOHNSON3 | 7112 FORD DRIVE HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.00% |
| LISA ANN DIMON3 | C/0 LISA DIMON BUHL, ID 83316 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| NICOLE LORRAINE MCFARLAND3 | 16966 TURK DRIVE LA PUENTE, CA 91744 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| JOSEPH L. AGAGON3 Filed as: JOSEPH LYLE AGAGON | 3999 LEWIS AVE LONG BEACH, CA 90807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| DANA STUBBLEFIELD3 | 5019 16TH ST NW WASHINGTON, DC 20011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.00% |
| CHRISTYNA GILES WASHINGTON3 | 3553 ATLANTIC AVE STE 123 LONG BEACH, CA 90807 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| CHISOLM & ASSOCIATED INSURANCE SERV3 Filed as: CHISOLM & ASSOCIATES INS. SERV. | 12368 ANDY STREET CERRITOS, CA 90702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| STEVE HOWARD3 | 1601 KENSINGTON LANE MCKINNEY, TX 75070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| ARETHA GREEN3 | 4280 VIA ARBOLADA LOS ANGELES, CA 90042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| EVA MARGARETA COLLIN3 | 6447 HANES RD NORTH ST PETERSBURG, FL 33714 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| RUBIN G HAIRSTON3 | 5645 CAROLINE STREET MONTCLAIR, CA 91763 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| DEL DOWNEY | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| JAMES STEVEN POWELL3 | 3811 OLMSTED AVE LOS ANGELES, CA 90008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MARIA RUBY QUINTANA | 112 N TOLAND AVE WEST COVINA, CA 91790 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| ANDRE CRENSHAW3 | 44676 LIBERTY AVE LA QUINTA, CA 92253 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BELL INSURANCE GROUPS LLC3 | 23816 RIDGE POINT CT MORENO VALLEY, CA 92557 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DARIN POTTS3 | 510 BERING DRIVE HOUSTON, TX 77057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | P0 BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MIKE MCCORMICK3 | 7 MONSERRAT P1 FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JANE CONKLIN MILLER3 | 8566 FALLBROOK CIRCLE HUNTINGTON BEACH, CA 92646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROY LEE TUCKER3 | P.O. BOX 41031 PASADENA, CA 91114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ELAINE L ALEXANDER3 | C/O ELAINE ALEXANDER SARATOGA, CA 95070 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEVIN FITZGERALD HOWARD3 | PO BOX 30024 OAKLAND, CA 94604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RAYMOND KWOCKMAN GONG3 | 2180 FENTON PKWY SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HAD LI ENTERPRISES INCORPORATED3 | 11432 SOUTH ST #303 CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ANTIONE T TURNER3 Filed as: ANTIONE TRENT TURNER | 1929 B GATES AVE REDONDO BEACH, CA 90278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PRESTON ELDRIDGE DAVIS3 | 3642 W SCRIBNER LN INGLEWOOD, CA 90305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HECTOR MARTINEZ3 | 1458 WESTERLY TERRACE LOS ANGELES, CA 90026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| MICHAEL GATES3 | 4230 MCCLUNG DRIVE LOS ANGELES, CA 90005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HARRY J. WILSON INSURANCE CENTER3 | P.O. BOX 27098 FRESNO, CA 93729 | RSLI | $35K | — | $35K | 9.11% |
| HARRY J. WILSON INSURANCE CENTER3 | P.O. BOX 27098 FRESNO, CA 93729 | AIG | $12K | — | $12K | 20.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPLAN EIN 20-3720767 NONE | Direct payment from the plan; Consulting (general); Claims processing Service code 12 | — | $1.2M |
| ANTHEM BLUE CROSS EIN 95-4331852 NONE | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | — | $1.1M |
| ARISTOTLE CAPITAL MANAGEMENT, LLC EIN 95-4833644 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $403K |
| CBRE GLOBAL INVESTORS EIN 95-4752098 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $385K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $366K |
| KEYSTONE NATIONAL GROUP EIN 20-5150678 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $299K |
| BASYS, INC. EIN 52-1796473 NONE | Other commissions; Accounting (including auditing); Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $277K |
| CITYSCAPE IT PROS EIN 46-1791445 NONE | Direct payment from the plan; Consulting (general); Other services Service code 16 | — | $173K |
| REGINALD CYRUS EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $143K |
| PACIFIC INVESTMENTS EIN 77-0583390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $140K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $129K |
| CAROL MOORE EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $127K |
| MARTINA MOJICA EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $105K |
| DEBBIE LINK EIN 95-3846189 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $100K |
| DANA TENEYCK EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $75K |
| DALANA YOUNG EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $72K |
| MERCER HUMAN RESOURCE NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | 17901 VON KARMAN AVENUE, SUITE 1100 IRVINE, CA 92614 | $71K |
| MINA CARRANZA EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $70K |
| CAROLINE RYAN EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $69K |
| POLOMA PUBLIC AFFAIRS EIN 83-0883342 NONE | Direct payment from the plan; Other services Service code 49 | — | $67K |
| DEBBIE MARTINI EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $66K |
| MELANIE TALSMA EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| YVONNE SAUNDERS EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| CONSIDINE & ASSOCIATES, INC. NONE | Other services; Consulting (general); Direct payment from the plan Service code 16 | 25401 CABOT ROAD, SUITE 200 LAGUNA HILLS, CA 92653 | $63K |
| FRANK TIMPANI EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| LINDQUIST LLP EIN 52-2385296 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $62K |
| MISTY LOPEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $59K |
| MILLER, KAPLAN, ARASE, & CO NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 4123 LANKERSHIM BLVD. NORTH HOLLYWOOD, CA 91602 | $59K |
| MARK GAZMIN EIN 95-3846188 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| MARK BINNS EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $57K |
| KATSUMI NIDOME EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| DEBBIE NUNEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $55K |
| SONIA GUERRERO EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| DONNA BEHAN EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| ALMA DIAZ EIN 95-3846186 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $53K |
| NATALIE VASQUEZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| LEIA MASHAKA CONSULTING NONE | Direct payment from the plan; Consulting (general) Service code 16 | 9045 IRON CACTUS AVE LAS VEGAS, NV 89148 | $51K |
| JESSIE MALDONADO EIN 95-3846191 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $50K |
| ANADALLAS BIZZELL EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $48K |
| PROPHARMA PHARMACEUTICAL EIN 95-4081972 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $42K |
| ANA CRUZ EIN 95-3846186 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $31K |
| EXPRESS SCRIPTS NONE | Claims processing; Direct payment from the plan Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $30K |
| FAIR HEALTH INC EIN 90-0524293 NONE | Other services; Direct payment from the plan; Consulting (general) Service code 16 | — | $25K |
| DON LASSIG EIN 95-3846186 TRUSTEE | Trustee (individual); Named fiduciary; Direct payment from the plan Service code 20 | — | $25K |
| PRECISION DOCUMENT IMAGING NONE | Direct payment from the plan; Other services Service code 49 | 2440 VASSAR ST RENO, NV 89502 | $19K |
| KATHLEEN SLOTHOUR, CONSULTING EIN 56-7706501 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $15K |
| BANK OF AMERICA NONE | Custodial (other than securities); Direct payment from the plan Service code 18 | 101 SOUTH TRYON STREET CHARLOTTE, NC 29210 | $14K |
| B OF A SECURITIES, INC. NONE | Direct payment from the plan; Securities brokerage Service code 33 | ONE BRYANT PARK NEW YORK, NY 10036 | $14K |
| ADP EIN 13-3036745 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $13K |
| SUTTON HAGUE LAW CORPORATION EIN 46-5498685 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
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 | 2,623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,021 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 4 | $2K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 744 | $2.2M |
| Long-term disability(2 contracts, 2 carriers) | RSLI | 1,043 | $445K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,043 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,043 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.