| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 5.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 2.69% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.87% |
| GIS NATIONAL3 Filed as: GIS BENEFITS & INSURANCE SERVICES | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $586 | $7K | 11.80% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26467 SANTA ANA, CA 92799 | CALIFORNIA DENTAL NETWORK, INC. | $1K | — | $1K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | P.O. BOX 26457 SANTA ANA, CA 92799 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $901 | — | $901 | 19.99% |
| GIS NATIONAL3 Filed as: GIS BENEFITS & INSURANCE SERVICES | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | $128 | $353 | 7.83% |
| BENEFITS ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $58 | $58 | 1.29% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | P.O. BOX 26457 SANTA ANA, CA 92799 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $750 | — | $750 | 20.01% |
| GIS NATIONAL3 Filed as: GIS BENEFITS & INSURANCE SERVICES | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $187 | $127 | $314 | 8.38% |
| BENEFITS ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $48 | $48 | 1.28% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 92 | $423K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $67K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $57K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $57K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $5K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 92 | $423K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.