| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENDERSON STRATEGIC FIN INS SVCS3 | P. O. BOX 60339 PALO ALTO, CA 943060339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $133K | — | $133K | 10.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS CA | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $53K | $53K | 4.04% |
| HENDERSON STRATEGIC FIN INS SVCS3 | 445 SHERMAN AVE STE H PAOLO ALTO, CA 94306 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $28K | — | $28K | 9.95% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS CA | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 94306 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $11K | $11K | 3.98% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 943060339 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 5.28% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 943060339 | VISION SERVICE PLAN | $2K | — | $2K | 2.83% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.23% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOC 60339 PALO ALTO, CA 94306 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.66% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.68% |
| HENDERSON STRATEGIC FIN INS SVCS3 | P.O. BOX 60339 PALO ALTO, CA 94306 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 341 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $282K |
| Vision | VISION SERVICE PLAN | 213 | $83K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $73K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $25K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $39K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.