| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCESS HEALTH INSURANCE SERVICES,3 | INC 950 BOARDWALK STE 205 SAN MARCOS, CA 920782600 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 6.70% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | INC. 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 2.31% |
| ACCESS HEALTH INSURANCE SERVICES,3 | INC 950 BOARDWALK, SUITE 205 SAN MARCOS, CA 92078 | CALIFORNIA PHYSICIANS' SERVICE | $11K | — | $11K | 4.62% |
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INS SVCS INC | 950 BOARDWALK STE 205 SAN MARCOS, CA 92078 | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | $8K | — | $8K | 11.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVI | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INSURANCE SERVICES | — | SIMNSA | $4K | — | $4K | 7.00% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 75 | $598K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | 154 | $130K |
| Vision | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | 154 | $69K |
| Life insurance | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | 154 | $69K |
| Long-term disability | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | 154 | $69K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 41 | $229K |
| Other | THE GUARDIAN LIFE INSURACNE COMPANY OF AMERICA | 154 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.