| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST BENEFITS INS. MARKETING, INC.3 Filed as: WEST BENEFITS INS MKTG INC | 655 VALLEYWOOD CIRCLE CORONA, CA 92879 | UNITEDHEALTHCARE INSURANCE COMPANY | $285K | $0 | $285K | 4.47% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $44K | $44K | 0.68% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | -$82 | $0 | -$82 | -0.00% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $54K | $94K | 26.09% |
| WEST BENEFITS INS. MARKETING, INC.3 Filed as: WEST BENEFITS INS MKTG INC | PO BOX 3056 CORONA, CA 92878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51K | $0 | $51K | 14.06% |
| MJ INSURANCE3 Filed as: ARIAN E. NAWABI AND VARIOUS AGENTS | 201 DARLINGTON IRVINE, CA 92620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $6K | $37K | 10.31% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 3.97% |
| MARC MAURICIO MORROW3 | 30218 VINEBRIAR DRIVE SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 2.60% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $406 | $5K | 1.49% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PLACE DALLAS, TX 75227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $520 | $4K | 1.15% |
| LOCKTON COMPANIES, LLC3 | UNKNOWN SANTA MONICA, CA 90404 | SIMNSA | $8K | $0 | $8K | 7.00% |
| WEST BENEFITS INS. MARKETING, INC.3 Filed as: WEST BENEFITS INS MKTG INC | UNKNOWN SANTA MONICA, CA 90404 | SIMNSA | $4K | $0 | $4K | 7.00% |
| CONSUMER DRIVEN BENEFITS LLC3 | 3737 BIRCH STREET NEWPORT BEACH, CA 92660 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVENUE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $78 | $1K | 11.77% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $333 | $0 | $333 | 2.80% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $217 | $11 | $228 | 1.92% |
| DEIDRE B HOEHN3 Filed as: DEIDRE B. HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $153 | $7 | $160 | 1.34% |
| TINA HERNANDEZ3 | 11779 WEST COCOPAH STREET AVONDALE, AZ 85323 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.34% |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,261 | $6.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,261 | $6.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,261 | $6.4M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 752 | $372K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 752 | $372K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,261 | $6.5M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 752 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,261 | — |
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.