| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERNSTAM FINANCIAL & INS SVCS3 Filed as: DAVID ERNSTAM FINANCIAL & INS. SVCS | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | BLUE CROSS OF CALIFORNIA | $37K | $0 | $37K | 6.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $12K | $12K | 2.23% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 Filed as: DAVID ERNSTAM FINANCIAL & INS. SVCS | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 4.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.62% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 | 1625 BUTTE HOUSE RD YUBA CITY, CA 95993 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.10% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | HUMANA INSURANCE COMPANY | -$116 | — | -$116 | -0.16% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 Filed as: DAVID ERNSTAM FINANCIAL & INS. SVCS | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | HEALTHIESTYOU | $3K | $0 | $3K | 15.00% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 Filed as: DAVID M ERNSTAM FIN & INS SVCS | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 Filed as: DAVID ERNSTAM FINANCIAL & INS. SVCS | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | VISION SERVICE PLAN | $661 | $0 | $661 | 8.05% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $103 | $0 | $103 | 1.25% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 87 | $679K |
| Dental | HUMANA INSURANCE COMPANY | 73 | $74K |
| Vision | VISION SERVICE PLAN | 57 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 87 | $679K |
| Other(2 contracts, 2 carriers) | HEALTHIESTYOU | 106 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.