| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | UNITEDHEALTHCARE INSURANCE COMPANY | $193K | — | $193K | 3.59% |
| RUFFIN INSURANCE SOLUTION3 Filed as: RUFFIN INSURANCE SOLUTIONS INC | 5700 TIMBER LN CHARLOTTE, NC 28270 | UNITEDHEALTHCARE INSURANCE COMPANY | $96K | $5K | $102K | 1.89% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $12K | $17K | 0.31% |
| RUFFIN INSURANCE SOLUTION3 Filed as: RUFFIN INSURANCE SOLUTIONS INC | 3115 ROBELINE LN CHARLOTTE, NC 28203 | UNITEDHEALTHCARE INSURANCE COMPANY | -$52 | — | -$52 | -0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | TRANSAMERICA LIFE INSURANCE COMPANY | $60K | — | $60K | 24.39% |
| RUFFIN INSURANCE SOLUTION3 Filed as: RUFFIN INSURANCE SOLUTIONS | 5700 TIMBER LN CHARLOTTE, NC 28270 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 12.73% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INSURANCE SVCS | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94062 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | — | $14K | 5.60% |
| GREGORY S GOLUB3 | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94404 | TRANSAMERICA LIFE INSURANCE COMPANY | $811 | — | $811 | 0.33% |
| HELENA RUFFIN3 | 5700 TIMBER LN CHARLOTTE, SC 28270 | TRANSAMERICA LIFE INSURANCE COMPANY | $182 | — | $182 | 0.07% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $18K | — | $18K | 8.56% |
| RUFFIN INSURANCE SOLUTION3 Filed as: RUFFIN INSURANCE SOLUTIONS INC | 5700 TIMBER LN CHARLOTTE, NC 28270 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $8K | — | $8K | 3.81% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $3K | — | $3K | 1.48% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | VISION SERVICE PLAN | $2K | $180 | $2K | 8.69% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,332 | $5.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,332 | $5.4M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,332 | $5.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE OF AMERICA | 516 | $215K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 516 | $215K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE OF AMERICA | 516 | $215K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 606 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,332 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.