| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | UNITEDHEATHCARE INSURANCE COMPANY | $38K | $0 | $38K | 3.67% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITEDHEATHCARE INSURANCE COMPANY | $23K | $0 | $23K | 2.18% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEATHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.51% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 3.96% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.44% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $794 | $4K | 3.89% |
| ADVOCATE, INC.3 | 7118 SE REED COLLEGE PLACE PORTLAND, OR 97202 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.45% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $950 | $950 | 0.83% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | CALIFORNIA DENTAL NETWORK, INC. | $136 | $0 | $136 | 5.52% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WOODLAND HILLS, CA 91361 | CALIFORNIA DENTAL NETWORK, INC. | $123 | $0 | $123 | 4.99% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | CALIFORNIA DENTAL NETWORK, INC. | $111 | $0 | $111 | 4.50% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 186 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $117K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 206 | $115K |
| Life insurance | UNITEDHEATHCARE INSURANCE COMPANY | 186 | $1.0M |
| Short-term disability | UNITEDHEATHCARE INSURANCE COMPANY | 186 | $1.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 15 | $230K |
| Other(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 206 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.