| 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 | — | $311K | $311K | 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. | $20K | — | $20K | 4.34% |
| 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 | 1.08% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $32K | — | $32K | 9.91% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 5.43% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| 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 | $2K | — | $2K | 10.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| 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 | — | $345 | $345 | 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 | — | $69 | $69 | 1.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $602 | — | $602 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $301 | $301 | 5.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $477 | — | $477 | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $239 | $239 | 5.01% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $375 | — | $375 | 10.00% |
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 | 978 | 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) | 979 | 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 | 555 | $5.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 545 | $377K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 545 | $325K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 978 | $86K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $37K |
| Long-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $33K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 978 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 978 | — |
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.