| 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 | $47K | — | $47K | 3.46% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $28K | — | $28K | 2.09% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $2K | $17K | 8.33% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INS. SVCS. | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.07% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.91% |
| 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 | — | $2K | $2K | 1.10% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET SUITE 1 STAMFORD, CA 06902 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.29% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.84% |
| 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 | $2K | — | $2K | 1.73% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 199 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 241 | $198K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 241 | $198K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 241 | $198K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 241 | $198K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 241 | $198K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 17 | $123K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 241 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.