| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SVCS LLC3 Filed as: BENEFITS AMERICA INSURANCE SVCS,LLC | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $24K | $11K | $34K | 5.46% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: VENBROOK RISK MGMT AND INS SERVICES | 6320 CANOGA AVE WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.21% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 Filed as: BENEFITS AMERICA INSURANCE SVCS,LLC | 1800 QUAIL STREET NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $19K | $0 | $19K | 3.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: VENBROOK RISK MGMT AND INS SERVICES | 6320 CANOGA AVE WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC. | $12K | $0 | $12K | 2.16% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL ST 110 NEWPORT BEACH, CA 92660 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY/BLUE CROSS OF CA | $10K | $0 | $10K | 10.55% |
| MCCAREY INC3 | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $803 | $4K | 6.14% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| ROSE VILLALON PASQUEL3 | 552 E CARSON ST #104-412 CARSON, CA 90745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $63 | $2K | 3.00% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $562 | $2K | 2.95% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER ALLAN | 19920 WINDWOOD CIR RIVERSIDE, CA 92508 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.58% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE WOODLAND HILLS, CA 91367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.33% |
| GROUP SUPPLEMENTAL BENEFITS INC3 | 39970 STACY CT MURRIETA, CA 92563 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $308 | $678 | 1.15% |
| ELIZABETH LOUISE FENDER3 | 335 S EMERSON AVE INDIANAPOLIS, IN 46219 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $16 | $215 | 0.36% |
| JON MALMBORG3 Filed as: JON CURTIS RICHERT | 35925 LEAH LN YUCAIPA, CA 92399 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $60 | $174 | 0.30% |
| SHANIKA M. FISKE3 Filed as: SHANIKA M FISKE | 21552 MORESBY WAY LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.26% |
| CONSUMER DRIVEN BENEFITS LLC3 | 1301 DOVE ST STE 340 NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.15% |
| ELTHON ISRAEL CRUZ3 | 893 S 2100 W OREM, UT 84059 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $76 | $0 | $76 | 0.13% |
| CHRISTINE LYNN MORGESTER3 | 14913 S SUNTERRA LOOP OREGON CITY, OR 97045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.13% |
| MAIRA MAGALI ORTIZ3 | 43642 35TH ST E LANCASTER, CA 93535 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.06% |
| WILLIAM MARC ALVISO3 | 3553 TWOGOOD LN RIVERSIDE, CA 92501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.06% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LN LOGANSPORT, IN 46947 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.05% |
| LILIANA RIVERA3 | 1267 SILVER TORCH DR BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.02% |
| JESSICA CHRISTINE LEARD3 | 351 N POST OAK LN APT 610 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| ASSUREDPARTNERS3 Filed as: BERTHA PATRICIA SHEPHERD | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE ST LAKE ELSINORE, CA 92530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND DR OCEAN VIEW, DE 19970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVE WOODLAND HILLS, CA 913672526 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.18% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 659 | $1.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 659 | $727K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 659 | $727K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY/BLUE CROSS OF CA | 659 | $167K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 57 | $59K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 659 | $1.3M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY/BLUE CROSS OF CA | 659 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.