| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID ERNSTAM FINANCIAL & INS SVCS3 | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | CALIFORNIA PHYSICIANS' SERVICE | $58K | $0 | $58K | 5.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS' SERVICE | — | $23K | $23K | 2.11% |
| DAVID ERNSTAM FINANCIAL & INS SVCS | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 5.10% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.06% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | VISION SERVICE PLAN | $765 | $0 | $765 | 7.35% |
| DAVID ERNSTAM FINANCIAL & INS SVCS3 | 1625 BUTTE HOUSE ROAD YUBA CITY, CA 95993 | HEALTHIEST YOU | $638 | $0 | $638 | 15.01% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 127 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 103 | $55K |
| Vision | VISION SERVICE PLAN | 85 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $16K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 127 | $1.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
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.