| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS AND ASSOC. INS. BROKERS, INC. | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $4K | $636 | $5K | 4.66% |
| UNKNOWN3 | UNKNOWN LOS ANGELES, CA 90014 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.74% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS AND ASSOC. INS. BROKERS, INC. | 7935 EAST PRENTIVE AVENUE SUITE 110-W GREENWOOD VILLAGE, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.41% |
| CHARLES BOGUE3 | 2200 HOMET ROAD SAN MARINO, CA 91108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | — | $64 | 0.27% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 329 | $101K |
| Vision | AETNA LIFE INSURANCE COMPANY | 329 | $101K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $24K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $24K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $24K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.