| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | AETNA HEALTH INC. | $8K | — | $8K | 3.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH INC. | $3K | — | $3K | 1.58% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 4.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.54% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 6.00% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $246 | — | $246 | 10.09% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | — | $123 | $123 | 5.05% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $363 | — | $363 | 15.00% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $334 | — | $334 | 15.01% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $243 | — | $243 | 14.98% |
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 | 195 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH INC. | 195 | $404K |
| Dental | AETNA LIFE INSURANCE CO. | 195 | $146K |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 65 | $2K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $2K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $2K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22 | $2K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH INC. | 195 | $404K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.