| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS | 28402 CONSTELLATIONS ROAD VALENCIA, CA 91355 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | $0 | $88K | 2.67% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | KAISER PERMANANETE | $38K | $0 | $38K | 2.34% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS INC. | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | MUTUAL OF OMAHA INSURANCE COMPANY | $22K | $0 | $22K | 5.00% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS & RISK SOLUTIONS | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | DELTA DENTAL | $1K | $0 | $1K | 0.29% |
| BENEFITS & RISK SOLUTIONS, INC.3 Filed as: BENEFITS AND RISK SOLUTIONS INC | 28402 CONSTELLATION ROAD VALENCIA, CA 91355 | ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $0 | $2K | 2.46% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | THE HARTFORD | $317 | $0 | $317 | 17.02% |
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 | 691 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 626 | $4.9M |
| Dental | DELTA DENTAL | 483 | $406K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 392 | $63K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 691 | $430K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 691 | $430K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 691 | $430K |
| Prescription drug(2 contracts, 2 carriers) | KAISER PERMANANETE | 333 | $1.7M |
| Other(4 contracts, 4 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 691 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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."
No prospect flags tripped on this filing.