| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $86K | — | $86K | 3.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | — | $15K | $15K | 0.53% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | ANTHEM LIFE INSURANCE COMPANY | $13K | — | $13K | 7.52% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.58% |
| MIKE RADAKOVICH3 | 221 MAIN STREET UNIT 1462 LOS ALTOS, CA 94023 | DELTA DENTAL OF COLORADO | $14K | — | $14K | 10.06% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 303 | $2.8M |
| Dental | DELTA DENTAL OF COLORADO | 301 | $142K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 303 | $2.8M |
| Life insurance(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 166 | $167K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 166 | $167K |
| Other(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 166 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.