| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS F. KELLY INSURANCE SRVCS INC.3 | 1811 E. GARRY AVENUE SANTA ANA, CA 927055816 | KAISER FOUNDATION HEALTH PLAN INC. | $37K | — | $37K | 4.99% |
| CHRIS F. KELLY INSURANCE SRVCS INC.3 | 1811 EAST GARRY AVENUE SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 4.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 1.80% |
| MOORE BENEFITS INC.3 Filed as: MOORE BENEFITS INSURANCE SERVICES | 18662 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $757 | $11K | 6.11% |
| CHRIS F. KELLY INSURANCE SRVCS INC.3 Filed as: CHRIS F. KELLY INSURANCE SERVICES | 1811 E. GARRY AVENUE SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.69% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.00% |
| CHRIS F. KELLY INSURANCE SRVCS INC.3 | 1811 EAST GARRY AVENUE SANTA ANA, CA 92705 | AETNA HEALTH, INC. | $6K | — | $6K | 4.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $2K | — | $2K | 1.85% |
| CHRISTOPHER F. KELLY3 | 1811 E. GARRY AVENUE SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 2.38% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 244 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $180K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $180K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $180K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 244 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 238 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.