| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK DUNCAN3 | — | ANTHEM BLUE CROSS | $22K | — | $22K | 4.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | — | ANTHEM BLUE CROSS | $13K | — | $13K | 2.66% |
| CARIE SERB | — | ANTHEM BLUE CROSS | $2K | — | $2K | 0.37% |
| MARK DUNCAN3 | — | KAISER PERMANENTE | $10K | — | $10K | 4.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | — | KAISER PERMANENTE | $6K | — | $6K | 2.66% |
| CARIE SERB | — | KAISER PERMANENTE | $800 | — | $800 | 0.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $6K | $9K | 12.72% |
| OLSON DUNCAN INSURANCE SERVICES INC3 Filed as: OLSON DUNCAN INS SERVICE INC | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 905056831 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 12.05% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $311 | $311 | 0.42% |
| MARK DUNCAN3 | — | UNITEDHEALTHCARE OF CALIFORNIA | $2K | — | $2K | 4.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | — | UNITEDHEALTHCARE OF CALIFORNIA | $1K | — | $1K | 2.66% |
| CARIE SERB | — | UNITEDHEALTHCARE OF CALIFORNIA | $169 | — | $169 | 0.41% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $357 | $655 | $1K | 15.17% |
| OLSON DUNCAN INSURANCE SERVICES INC3 Filed as: OLSON DUNCAN INS SERVICE INC | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 905056831 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $714 | — | $714 | 10.70% |
| ENROLLESE3 Filed as: ENROLLESE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $108 | $108 | 1.62% |
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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 47 | $734K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $80K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $73K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $73K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $73K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $73K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
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.