| 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. | $29K | — | $29K | 7.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | INC. 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 2.66% |
| ACCESS HEALTH INSURANCE SERVICES,3 | INC 950 BOARDWALK, SUITE 205 SAN MARCOS, CA 92078 | CALIFORNIA PHYSICIANS' SERVICE | $15K | — | $15K | 4.65% |
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INSURANCE SERVICES | — | SIMNSA | $7K | — | $7K | 7.00% |
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INS SVCS INC | 950 BOARDWALK STE 205 SAN MARCOS, CA 92078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.68% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVI | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| SOUTHERN BENEFITS CONSULTING3 | PO BOX 306 RICHMOND HILL, GA 31324 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 13.09% |
| JORDREW INS SOLUTIONS INC3 Filed as: JORDREW INSURANCE SOLUTIONS INC. | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.36% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1090 HERSHEY DRIVE SE MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.36% |
| ACCESS HEALTH INSURANCE SERVICES,3 | INC 950 BOARDWALK STE 205 SAN MARCOS, CA 920782800 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH ST LAMESA, CA 91942 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.26% |
| JASON B WEST3 | 1701 BASS RD SUITE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $172 | — | $172 | 0.31% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 80 | $798K |
| Dental(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 180 | $506K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 180 | $410K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $145K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 273 | $56K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $89K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 54 | $321K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.