| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUFFIN INSURANCE SOLUTION3 | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 7.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 3.09% |
| RUFFIN INSURANCE SOLUTION3 | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 9.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.38% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE | $13K | — | $13K | 25.60% |
| RUFFIN INSURANCE SOLUTION3 | 5700 TIMBER LANE CHARLOTTE, NC 28270 | TRANSAMERICA LIFE INSURANCE | $6K | — | $6K | 12.03% |
| HELENA RUFFIN3 | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | TRANSAMERICA LIFE INSURANCE | $246 | — | $246 | 0.47% |
| RUFFIN INSURANCE SOLUTION3 Filed as: RUFFIN INSURANCE SOLUTIONS | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | LIFE INSURANCE COMPANY OF AMERICA | $760 | — | $760 | 5.00% |
| RUFFIN INSURANCE SOLUTION3 | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | LIFE INSURANCE COMPANY OF AMERICA | $693 | — | $693 | 5.00% |
| RUFFIN INSURANCE SOLUTION3 Filed as: RUFFIN INSURANCE SOLUTIONS | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | LIFE INSURANCE COMPANY OF AMERICA | $572 | — | $572 | 5.00% |
| RUFFIN INSURANCE SOLUTION3 | 1167 ROXBURY DR #103 LOS ANGELES, CA 90035 | LIFE INSURANCE COMPANY OF AMERICA | $402 | — | $402 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | LIFE INSURANCE COMPANY OF AMERICA | $201 | — | $201 | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICE | 32110 AGOURA RD WESTLAKE VILLIAGE, CA 91361 | CIGNA LIFE INSURANCE COMPANY OF NEWYORK | $27 | — | $27 | 10.19% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $433K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $138K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $138K |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 135 | $14K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE | 136 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 135 | $15K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE | 136 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.