| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $37K | — | $37K | 5.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $16K | $16K | 2.12% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 5.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 2.12% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $79 | $3K | 12.37% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $105 | $2K | 8.49% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $80 | $2K | 12.44% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $107 | $2K | 8.59% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $196 | $2K | 16.46% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $58 | $2K | 12.44% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $77 | $1K | 8.58% |
| GAMIE, LLC3 | 404 CAMINIO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $370 | $35 | $405 | 16.41% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 204 | $737K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 171 | $79K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 171 | $79K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 49 | $21K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 204 | $737K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.