| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WAVELING INSURANCE SERVICES INC3 Filed as: WAVELING INSURANCE SERVICES, INC | UNKNOWN RANCHO CUCAMONGA, CA 91730 | CALIFORNIA GENERAL INSURANCE | $66K | $0 | $66K | 3.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA GENERAL INSURANCE | $50K | $0 | $50K | 2.66% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | CALIFORNIA GENERAL INSURANCE | $28K | $0 | $28K | 1.49% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY, INC | UNKNOWN RANCHO CUCAMONGA, CA 91730 | CALIFORNIA GENERAL INSURANCE | $124 | $0 | $124 | 0.01% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES, INC. | 300 SOUTH DUVAL STREET, SUITE 410 TALLAHASSEE, FL 32301 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 7.39% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.44% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.38% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA GENERAL INSURANCE | 269 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 478 | $294K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 478 | $294K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 478 | $294K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 478 | $294K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 478 | $294K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 478 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.