| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INS. SERVICES, INC. | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $32K | $32K | 4.17% |
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INS. SERVICES, INC. | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 4.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $550 | $0 | $550 | 0.31% |
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INS. SERVICES, INC. | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 9.81% |
| BENEFIT PRO INSURANCE SERVICES, INC3 Filed as: BENEFIT PRO INS. SERVICES, INC. | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $526 | $0 | $526 | 10.00% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 114 | $952K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $111K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $106K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $106K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 114 | $952K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.