| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | BLUE CROSS OF CALIFORNIA | $94K | — | $94K | 5.68% |
| JAMES M. MORRISON INSURANCE SERVICE3 Filed as: JAMES M MORRISON INSURANCE SERVICES | 2710 GATEWAY ROAD CARLSBAD, CA 92009 | BLUE CROSS OF CALIFORNIA | -$12K | — | -$12K | -0.72% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $7K | $29K | 13.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 6143 S WILLOW DR STE 200 GREENWOOD VILLAGE, CO 80111 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.82% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CA 06902 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN, INC. | 721 S PARKER ST STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.82% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 287 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $204K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $204K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $204K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $204K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $204K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 29 | $152K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
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.