| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $12K | $53K | 17.44% |
| DUNNY INC.3 Filed as: DUNNY, INC. | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $5K | $40K | 12.98% |
| CELIFLORA THOMPSON3 Filed as: CELIFLORA THOMPSON AND OTHER AGENTS | 4454 TERRA CORVO COURT MERCED, CA 95348 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29K | $7K | $36K | 11.76% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $9K | $21K | 6.99% |
| LILIANA RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 2.46% |
| PATRICK ALVIN HOLLOWAY3 Filed as: PATRICK HOLLOWAY | 3006 SOUTH VERMONT AVENUE, PMB 324 LOS ANGELES, CA 90007 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 2.08% |
| RICHARD GRACIAL3 | 1437 PASEO MARLENA SAN DIMAS, CA 91773 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 1.79% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $5K | $23K | 17.59% |
| DUNNY INC.3 Filed as: DUNNY, INC. | 1824 CALLE CIERVOS SAN DIMAS, CA 91773 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 12.97% |
| MARY EVA RODRIGUEZ AND OTHER AGENTS3 | 7971 TEAK WAY RANCHO CUCAMONGA, CA 91730 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 9.42% |
| RONNY ANN WARNER3 | 470 EAST WHITBECK STREET KUNA, ID 83634 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $4K | $9K | 7.11% |
| RAQUEL MORALES3 | 1132 WEST COOLFIELD DRIVE COVINA, CA 91722 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.36% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.05% |
| LUIS ERNESTO PEREZ3 Filed as: LUIS PEREZ BENEFIT INS SOLUTION | 861 KENWOOD STREET UPLAND, CA 91784 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.58% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 158 | $0 |
| Life insurance | SELMAN INSURANCE | 158 | $0 |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 371 | $438K |
| Other(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 371 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.