| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAN BURNS INSURANCE SVCS INC3 | PO BOX 3309 TORRANCE, CA 90510 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 5.41% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 2.16% |
| STAN BURNS INSURANCE SVCS INC3 | PO BOX 3309 TORRANCE, CA 90510 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $317 | $2K | 3.56% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $654 | — | $654 | 1.13% |
| STAN BURNS INSURANCE SVCS INC3 | 100 E WARDLOW ROAD LONG BEACH, CA 90807 | BLUE CROSS OF CALIFORNIA | $17K | — | $17K | 44.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | — | $9K | $9K | 22.45% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $181 | $2K | 20.15% |
| EVAN PENNET4 | 13725 CUMPSTON STREET SHERMAN OAKS, CA 91401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $47 | — | $47 | 6.69% |
| JOAN WILLIAMS4 | 12721 GARDEN GORVE BLVD #302 GARDEN GROVE, CA 92843 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $36 | — | $36 | 5.12% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 60 | $361K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $59K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $59K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $59K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 11 | $66K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 60 | $361K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 104 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.