| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENNIALL MANAGEMENT COMPANY, LLC3 Filed as: PENNIALL INSURANCE SERVICES, LLC | 123 S. MARENGO AVE. SUITE 200 PASADENA, CA 91101 | BLUE SHIELD OF CALIFORNIA | $30K | — | $30K | 4.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA | — | $10K | $10K | 1.59% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | P.O. BOX 7001 PASADENA, CA 911097001 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | — | $12K | 5.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 2.06% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | 123 S. MARENGO AVE. SUITE 200 PASADENA, CA 91101 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 5.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 913614026 | HUMANA INSURANCE COMPANY | — | $375 | $375 | 0.50% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | 123 S. MARENGO AVE. SUITE 20 PASADENA, CA 91101 | HUMANA DENTAL INSURANCE COMPANY | $209 | — | $209 | 5.37% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 913614026 | HUMANA DENTAL INSURANCE COMPANY | — | $56 | $56 | 1.44% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 120 | $855K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 122 | $78K |
| Vision | HUMANA INSURANCE COMPANY | 122 | $75K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 120 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.