| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 E THOUSAND OAKS BLVD THOUSAND OAKS, CA 91362 | BLUE CROSS BLUE SHIELD OF CALIFORNIA | — | $54K | $54K | 5.32% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLIAGE, CA 91361 | BLUE CROSS BLUE SHIELD OF CALIFORNIA | — | $21K | $21K | 2.01% |
| NIE3 | 4165 E THOUSAND OAKS BLVD THOUSAND OAKS, CA 91362 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.93% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 E THOUSAND OAKS BLVD STE 6549 WESTLAKE VILLIAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $205 | $55 | $260 | 19.06% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 E THOUSAND OAKS BLVD STE 6549 WESTLAKE VILLIAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $163 | $43 | $206 | 18.97% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 E THOUSAND OAKS BLVD STE 6549 WESTLAKE VILLIAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38 | — | $38 | 15.02% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 E THOUSAND OAKS BLVD STE 325 WESTLAKE VILLIAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15 | $4 | $19 | 19.39% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 E THOUSAND OAKS BLVD STE 325 WESTLAKE VILLIAGE, CA 91362 | KAISER FOUNDATION HEALTH PLAN | $751 | — | $751 | — |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF CALIFORNIA | 122 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $94K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 128 | $94K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $1K |
| Other(5 contracts, 2 carriers) | EMPATHIA PACIFIC INC | 100 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.