| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $249K | — | $249K | 4.87% |
| POMS AND ASSOCIATES INS. BROKERS3 | 7935 E. PRENTIVE AVENUE, SUITE 110-W GREENWOOD VILLAGE, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $245 | $38K | 8.85% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC. | $21K | $7K | $28K | 6.59% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 913676594 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.93% |
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 | 510 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,042 | $5.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,042 | $5.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,042 | — |
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.