| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARI MILLER INSURANCE AGENCY INC3 | 449 S BEVERLY DR PENTHOUSE STE BEVERLY HILLS, CA 90212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $24K | — | $24K | 2.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $15K | $15K | 1.69% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | — | $12K | 1.35% |
| ARI MILLER INSURANCE AGENCY INC3 | 449 S BEVERLY DR PENTHOUSE STE BEVERLY HILLS, CA 90212 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 4.74% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 1.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS (GA) | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.27% |
| ARI MILLER INSURANCE AGENCY INC3 | 449 S BEVERLY DR PENTHOUSE STE BEVERLY HILLS, CA 90212 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 4.76% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.59% |
| ARI MILLER INSURANCE AGENCY INC3 | 449 S BEVERLY DR PENTHOUSE STE BEVERLY HILLS, CA 90212 | HUMANA INSURANCE COMPANY | $12K | — | $12K | 6.73% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 2.92% |
| ARI MILLER INSURANCE AGENCY INC3 | 449 S BEVERLY DR PENTHOUSE STE BEVERLY HILLS, CA 90212 | HUMANADENTAL INSURANCE COMPANY | $656 | — | $656 | 6.94% |
| GROSSMAN INSURANCE SERVICES, INC.3 | 7162 BEVERLY BLVD #582 LOS ANGELES, CA 90036 | HUMANADENTAL INSURANCE COMPANY | $249 | — | $249 | 2.64% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $2.0M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 151 | $185K |
| Vision | HUMANA INSURANCE COMPANY | 151 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.