| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG M. WEEMS3 | 111 PIER AVENUE, SUITE 100 HERMOSA BEACH, CA 90254 | BLUE CROSS OF CALIFORNIA | $39K | — | $39K | 3.74% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $23K | $23K | 2.22% |
| BROSNAN AND ASSOC FIN. AND INS. SVS3 | 20250 ACACIA STREET, SUITE 230 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 1.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | BLUE CROSS OF CALIFORNIA | $5K | — | $5K | 0.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | DELTA DENTAL OF CALIFORNIA | $18K | — | $18K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 3.86% |
| DOUG M. WEEMS3 | 111 PIER AVENUE, SUITE 100 HERMOSA BEACH, CA 90254 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 3.49% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.00% |
| DOUG M. WEEMS3 | 111 PIER AVENUE, SUITE 100 HERMOSA BEACH, CA 90254 | VISION SERVICE PLAN | $1K | — | $1K | 3.62% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $187 | — | $187 | 0.47% |
| DOUG M. WEEMS3 | 111 PIER AVENUE, SUITE 100 HERMOSA BEACH, CA 90254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.39% |
| DOUG M. WEEMS3 | 111 PIER AVENUE, SUITE 100 HERMOSA BEACH, CA 90254 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $783 | — | $783 | 3.48% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $251 | — | $251 | 1.11% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 187 | $1.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 235 | $175K |
| Vision | VISION SERVICE PLAN | 124 | $40K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 187 | $1.0M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $28K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 187 | $1.2M |
| Other | BLUE CROSS OF CALIFORNIA | 187 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.