| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITEBOARD RISK & INS SOLUTIONS LLC3 Filed as: WHITEBOARD RISK & INSURANCE | SOLUTIONS LLC 8787 COMPLEX DRIVE, SUITE 202 SAN DIEGO, CA 92123 | BLUE CROSS OF CALIFORNIA | $20K | — | $20K | 3.77% |
| WHITEBOARD RISK & INS SOLUTIONS LLC3 Filed as: WHITEBOARD RISK & INSURANCE | SOLUTIONS LLC 8787 COMPLEX DRIVE, SUITE 202 SAN DIEGO, CA 92123 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN INC. | — | $1K | $1K | 0.29% |
| WHITEBOARD RISK & INS SOLUTIONS LLC3 Filed as: WHITEBOARD RISK & INSURANCE | SOLUTIONS LLC 8787 COMPLEX DRIVE, SUITE 202 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | — | $933 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $467 | $373 | $840 | 9.00% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 124 | $901K |
| Dental | BLUE CROSS OF CALIFORNIA | 124 | $536K |
| Vision | BLUE CROSS OF CALIFORNIA | 124 | $536K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 124 | $901K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
No prospect flags tripped on this filing.