| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. NEWARK NJ | 29840 NETWORK PL CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $89K | — | $89K | 4.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET, FLOOR 4 BOSTON, MA 02110 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 1.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INS SERVICES | 199 FREMONT STREET, 14TH FLOOR SAN FRANCISCO, CA 94105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 5.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 2.88% |
| LAWRENCE TODD FUGATE3 Filed as: LAWRENCE M. HARTLEY | C/O GUARDIAN LIFE INSURANCE CO. NEW YORK, NY 10004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 2.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 3.64% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2040 MAIN ST. STE. 450 IRVINE, CA 926148274 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 1.32% |
| TRAVIS GREGORY VANDENBERG3 | 1500 QUAIL ST. STE. 600 NEWPORT BEACH, CA 926602738 | KAISER FOUNDATION HEALTH PLAN INC. | $224 | — | $224 | 0.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 3.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 2040 MAIN STREET, SUITE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 1.16% |
| STEPHEN REMMEL3 | 1183 SWALLOWTAIL WAY NIPOMO, CA 93444 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $979 | — | $979 | 40.67% |
| LARRY F FICKEL3 | UNIT 206 6563 MCDONALD AVE. GIG HARBOR, WA 98335 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $135 | — | $135 | 5.61% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE ADVISORS, INC. | 4000 MACARTHUR BLVD., SUITE 730 NEWPORT BEACH, CA 92660 | FOUR EVER LIFE INSURANCE CO. | $232 | — | $232 | 14.98% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 460 | $3.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $624K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $624K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $624K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $624K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $624K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 460 | $3.0M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $628K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.