| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $616 | $6K | 11.24% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $400 | $4K | 11.24% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | VISION SERVICE PLAN | $1K | — | $1K | 7.10% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $175 | $2K | 11.19% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $153 | $2K | 11.08% |
| FMLASOURCE INC3 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 10.02% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $665 | $56 | $721 | 10.84% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULVARD SUITE 1045 SANTA MONICA, CA 90405 | CIGNA DENTAL HEALTH OF CALIFORNIA,INC | $570 | — | $570 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF CALIFORNIA,INC | — | $228 | $228 | 4.00% |
| JAMES P BENNETT & CO3 | OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | CIGNA DENTAL HEALTH OF COLORADO,INC | $12 | — | $12 | 10.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA DENTAL HEALTH OF COLORADO,INC | — | $5 | $5 | 4.20% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA DENTAL HEALTH OF CALIFORNIA,INC | 8 | $6K |
| Vision | VISION SERVICE PLAN | 100 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $32K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.