| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | AETNA HEALTH INC. | $6K | — | $6K | 4.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH INC. | $2K | — | $2K | 1.98% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 6.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.08% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | KAISER FOUNDATION HEALTH PLAN | $1K | — | $1K | 3.12% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISHER, SUITE A-2 COSTA MESA, CA 92626 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $633 | — | $633 | 15.01% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $624 | — | $624 | 15.00% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $489 | — | $489 | 14.99% |
| CENTENNIAL GROUP BENEFITS3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $240 | — | $240 | 14.61% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES | 1350 TREAT BLVD., SUITE 470 WALNUT CREEK, CA 94597 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | — | $120 | $120 | 7.30% |
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 | 119 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH INC. | 169 | $238K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 169 | $96K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $4K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH INC. | 169 | $238K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.