| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SVCS. INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $110K | $110K | 2.17% |
| ACRISURE LLC3 Filed as: LBW INSURANCE & FINANCIAL SVCS INC | 28055 SMYTH DRIVE VALENCIA, CA 91355 | BLUE CROSS OF CALIFORNIA | $106K | — | $106K | 2.09% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | BLUE CROSS OF CALIFORNIA | $91K | — | $91K | 1.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $71K | — | $71K | 1.40% |
| FOUNDATION RISK PARTNERS CORP3 | 28055 SMYTH DRIVE VALENCIA, CA 91355 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 1.70% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SVCS. INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $1K | $1K | 2.17% |
| ACRISURE LLC3 Filed as: LBW INSURANCE & FINANCIAL SVCS INC | 28055 SMYTH DRIVE VALENCIA, CA 91355 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| FOUNDATION RISK PARTNERS CORP3 | 2125 YGNACIO VALLEY RD SUITE 200 WALNUT CREEK, CA 94598 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $989 | — | $989 | 1.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $775 | — | $775 | 1.40% |
| ACRISURE LLC3 Filed as: LBW INSURANCE & FINANCIAL SVCS INC | 15350 SHERMAN WAY STE 494 VAN NUYS, CA 91406 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.75% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | STANDARD INSURANCE COMPANY | $339 | — | $339 | 1.44% |
| FOUNDATION RISK PARTNERS CORP5 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 31.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.98% |
| FOUNDATION RISK PARTNERS CORP3 | 28055 SMYTH DRIVE VALENCIA, CA 91355 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $477 | — | $477 | 2.03% |
| ACRISURE LLC3 Filed as: LBW INSURANCE & FINANCIAL SVCS INC | 15350 SHERMAN WAY STE 494 VAN NUYS, CA 91406 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.20% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | STANDARD INSURANCE COMPANY | $446 | — | $446 | 2.81% |
| FOUNDATION RISK PARTNERS CORP5 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 42.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.96% |
| FOUNDATION RISK PARTNERS CORP3 | 28055 SMYTH DRIVE VALENCIA, CA 91355 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $356 | — | $356 | 3.03% |
| ACRISURE LLC3 Filed as: LBW INSURANCE & FINANCIAL SVCS INC | 15350 SHERMAN WAY STE 494 VAN NUYS, CA 91406 | STANDARD INSURANCE COMPANY | $819 | — | $819 | 7.32% |
| FOUNDATION RISK PARTNERS CORP3 | 780 W GRANADA BLVD ORMOND BEACH, FL 32174 | STANDARD INSURANCE COMPANY | $299 | — | $299 | 2.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $833 | — | $833 | 8.01% |
| FOUNDATION RISK PARTNERS CORP3 | 28055 SMYTH DRIVE VALENCIA, CA 91355 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $207 | — | $207 | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $737 | — | $737 | 8.03% |
| FOUNDATION RISK PARTNERS CORP3 | 28055 SMYTH DRIVE VALENCIA, CA 91355 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $181 | — | $181 | 1.97% |
| ACRISURE LLC3 Filed as: LBW INSURANCE & FINANCIAL SVCS INC | 28055 SMYTH DRIVE VALENCIA, CA 91355 | METROPOLITAN GENERAL INSURANCE COMPANY | $106 | — | $106 | 6.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN GENERAL INSURANCE COMPANY | $54 | $2 | $56 | 3.50% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 620 | $5.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 620 | $5.1M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 575 | $55K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 409 | $44K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $39K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 38 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 620 | $5.2M |
| Other(6 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 620 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.