| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | AETNA | $13K | — | $13K | 3.27% |
| SEAN K EDDY - E&E INSURANCE SERVICE3 | 11245 BLAZEWOOD PL SAN DIEGO, CA 92127 | AETNA | $12K | — | $12K | 2.88% |
| ART HAUSER INSURANCE INC3 | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | AETNA | $11K | — | $11K | 2.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.52% |
| SEAN K EDDY - E&E INSURANCE SERVICE3 Filed as: SEAN EDDY | 11245 BLAZEWOOD PL SAN DIEGO, CA 92127 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.50% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE, INC. | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.08% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH SUITE 900 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $293 | — | $293 | 8.05% |
| EDDY, SEAN K3 | 11245 BLAZEWOOD PL SAN DIEGO, CA 92127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $273 | — | $273 | 7.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | — | $91 | 2.50% |
| ART HAUSER INSURANCE INC3 | 5905 EAST GALBRAITH SUITE 900 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82 | — | $82 | 5.52% |
| EDDY, SEAN K3 | 11245 BLAZEWOOD PLACE SAN DIEGO, CA 92127 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 5.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38 | — | $38 | 2.56% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 92 | $484K |
| Dental | AETNA | 92 | $404K |
| Vision | AETNA | 92 | $404K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $1K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 185 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.