| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS- SEE ATTACHED DOCUMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $779 | $18K | 21.19% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.28% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $312 | $2K | 11.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $792 | $792 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $860 | $2K | 16.46% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $666 | $666 | 5.00% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET FLOOR 12 SAN FRANSICO, CA 94111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $769 | $557 | $1K | 17.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $384 | $384 | 5.00% |
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 | 110 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $83K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $8K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 110 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.