| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $32K | $32K | 3.46% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, OR 97880 | BLUE CROSS OF CALIFORNIA | $27K | $0 | $27K | 2.87% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | BLUE CROSS OF CALIFORNIA | $20K | $0 | $20K | 2.09% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 4.59% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | KAISER FOUNDATION HEALTH PLAN, INC. | $882 | $0 | $882 | 0.59% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $263 | $9K | 10.39% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 7.20% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | $0 | $508 | 0.58% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 122 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $88K |
| Vision | BLUE CROSS OF CALIFORNIA | 122 | $938K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $88K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $88K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $150K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 147 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.