| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MEANS3 | 885 PATRIOT DRIVE MOORPARK, CA 93021 | BLUE CROSS OF CALIFORNIA | $95K | — | $95K | 7.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $53K | $53K | 4.27% |
| THOMAS MEANS3 | 885 PATRIOT DRIVE WESTLAKE VILLAGE, CA 91361 | HEALTH PLAN OF NEVADA | $8K | $3K | $11K | 4.74% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $69 | $2K | 15.43% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $65 | $2K | 15.43% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 WESTLAKE VILLAGE, SC 91361 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $8K | 63.40% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 86 | $1.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 86 | $1.3M |
| Vision | BLUE CROSS OF CALIFORNIA | 86 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $27K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 16 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 86 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 107 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.