| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | BLUE CROSS OF CALIFORNIA | $72K | — | $72K | 7.57% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $29K | $29K | 3.03% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.74% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.40% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $877 | $4K | 19.41% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | EYEMED VISION CARE | $1K | — | $1K | 9.93% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $369 | $2K | 19.37% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $201 | $1K | 17.82% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $407 | $119 | $526 | 19.40% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 96 | $949K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 283 | $1.1M |
| Vision | EYEMED VISION CARE | 221 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $32K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 96 | $949K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.