| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLPOINTE INSURANCE SERVICES3 | 1459 18TH ST. 171 SAN FRANCISCO, CA 94107 | CALIFORNIA PHYSICIANS' SERVICE | — | $71K | $71K | 5.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS' SERVICE | $28K | — | $28K | 2.10% |
| ALLPOINTE INSURANCE SERVICES3 | 1459 18TH ST. 171 SAN FRANCISCO, CA 94107 | KAISER FOUNDATION HEALTH PLAN, INC. | $60K | — | $60K | 4.80% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | — | $15K | 1.24% |
| WENTIF78, INC. DBA ALLPOINTE INS3 | 1459 18TH ST. 171 SAN FRANCISCO, CA 94107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 7.62% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $11K | $11K | 3.68% |
| ALLPOINTE INSURANCE SERVICES3 | 1459 18TH ST. 171 SAN FRANCISCO, CA 94107 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 3.68% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 216 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 329 | $298K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 329 | $298K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 520 | $74K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 520 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 520 | $74K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 216 | $1.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 520 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.