| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN, KYLE3 | 3500 W OLIVE AVE, STE 300 BURBANK, CA 91505 | BLUE CROSS OF CALIFORNIA | $101K | — | $101K | 4.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $50K | $50K | 2.42% |
| ALL CARE INSURANCE AGENCY INC3 | 327 W BROADWAY AVE. GLENDALE, CA 91204 | BLUE CROSS OF CALIFORNIA | $32K | — | $32K | 1.51% |
| RYAN, KYLE3 | 3500 W OLIVE AVE, STE 300 BURBANK, CA 91505 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 4.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $3K | $3K | 2.42% |
| ALL CARE INSURANCE AGENCY INC3 | 327 W BROADWAY AVE. GLENDALE, CA 91204 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 1.51% |
| RYAN, KYLE3 | 3500 W OLIVE AVE, STE 300 BURBANK, CA 91505 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 16.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | STANDARD INSURANCE COMPANY | — | $5K | $5K | 5.68% |
| ALL CARE INSURANCE AGENCY INC3 | 327 W BROADWAY AVE. GLENDALE, CA 91204 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.89% |
| RYAN, KYLE3 | 3500 W OLIVE AVE, STE 300 BURBANK, CA 91505 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.80% |
| ALL CARE INSURANCE AGENCY INC3 | 327 W BROADWAY AVE. GLENDALE, CA 91204 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.80% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM LIFE INSURANCE COMPANY | — | $1K | $1K | 2.53% |
| VARIOUS - SEE ATTACHMENT3 | C/O CONTINENTAL AMERICAN INS CO PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 15.92% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 159 | $2.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 169 | $140K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 169 | $140K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 207 | $143K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 48 | $35K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 207 | $143K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 159 | $2.1M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 207 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.