| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $310K | $310K | 6.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 1.00% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 3.68% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | INC. 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 0.92% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 9.91% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES | 2356 TORRANCE BLVD. TORRANCE, CA 90501 | TOWN & COUNTRY LIFE INSURANCE | $2K | — | $2K | 4.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 5.68% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $935 | $2K | 4.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $164 | $164 | 0.37% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 17.18% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $500 | $2K | 8.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $107 | $107 | 0.51% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $688 | — | $688 | 10.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | $134 | $320 | 4.65% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $24 | $24 | 0.35% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | — | $337 | $337 | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | — | $67 | $67 | 0.99% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $638 | — | $638 | 14.89% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: BENEUSA LLC A WARNER PACIFIC | COMPANY 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $266 | $45 | $311 | 7.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8 | $8 | 0.19% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | — | $179 | 9.98% |
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 | 1,013 | 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) | 1,013 | 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 | 541 | $5.7M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 505 | $420K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 505 | $311K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,054 | $67K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $34K |
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $23K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,013 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,054 | — |
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.