| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEST BENEFITS INSUR MKTG, INC.3 | 655 VALLEYWOOD CIRCLE CORONA, CA 92879 | UNITEDHEALTHCARE INSURANCE COMPANY | $208K | $0 | $208K | 2.24% |
| WEST BENEFITS INSUR MKTG, INC.3 | PO BOX 3056 CORONA, CA 92878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $0 | $15K | 10.12% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 4.71% |
| TINA HERNANDEZ3 | 11779 WEST COCOPAH STREET AVONDALE, AZ 85323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $359 | $2K | 1.01% |
| EDWIN MANUEL VELASQUEZ3 Filed as: EDWIN VELASQUEZ AND OTHER AGENTS | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $37 | $1K | 0.96% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $115 | $1K | 0.94% |
| MARIA VERONICA JARQUE3 | 542 HOSMER STREET EL CAJON, CA 92020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $318 | $1K | 0.89% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE SUITE 112 TORRANCE, CA 90501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $491 | $48 | $539 | 0.36% |
| WEST BENEFITS INSUR MKTG, INC.3 | 655 VALLEYWOOD CIRCLE CORONA, CA 92879 | SIMNSA | $9K | $0 | $9K | 7.00% |
| WEST BENEFITS INSUR MKTG, INC.3 | 655 VALLEYWOOD CIRCLE CORONA, CA 92879 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.60% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $879 | $4K | 5.07% |
| MARIA VERONICA JARQUE3 | 542 HOSMER STREET EL CAJON, CA 92020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $339 | $1K | 1.72% |
| TINA HERNANDEZ3 | 11779 WEST COCOPAH STREET AVONDALE, AZ 85323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $666 | $205 | $871 | 1.12% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $414 | $71 | $485 | 0.62% |
| WENDY DAWN PACK3 Filed as: WENDY DAWN PACK AND OTHER AGENTS | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $3 | $325 | 0.42% |
| DEIDRE B HOEHN3 Filed as: DEIDRE B. HOEHM | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $0 | $289 | 0.37% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | THE PAUL REVERE LIFE INSURANCE COMPANY | $115 | $0 | $115 | 3.38% |
| MARIA VERONICA JARQUE3 | 542 HOSMER STREET EL CAJON, CA 92020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | $26 | $74 | 2.18% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | THE PAUL REVERE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.94% |
| DEIDRE B HOEHN3 Filed as: DEIDRE B. HOEHM | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.56% |
| TINA HERNANDEZ3 | 11779 WEST COCOPAH STREET AVONDALE, AZ 85323 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.32% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.24% |
| MARIA VERONICA JARQUE3 | 542 HOSMER STREET EL CAJON, CA 92020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | $34 | $96 | 4.44% |
| CONSUMER DRIVEN BENEFITS LLC3 Filed as: CONSUMER DRIVEN BENEFITS, LLC | 1301 DOVE STREET NEWPORT BEACH, CA 92660 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 2.87% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.88% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.69% |
| TINA HERNANDEZ3 | 11779 WEST COCOPAH STREET AVONDALE, AZ 85323 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.69% |
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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 847 | $9.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 847 | $9.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 847 | $9.3M |
| Life insurance(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 506 | $234K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 199 | $153K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 847 | $9.4M |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 506 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.