| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BOULEVARD TORRANCE, CA 90501 | BLUE CROSS OF CALIFORNIA | $120K | — | $120K | 5.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $44K | $44K | 1.95% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BOULEVARD TORRANCE, CA 905012567 | KAISER FOUNDATION HEALTH PLAN INC. | $13K | — | $13K | 4.98% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BOULEVARD TORRANCE, CA 90501 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | — | $12K | 5.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $4K | $4K | 1.95% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BOULEVARD TORRANCE, CA 905012567 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 4.74% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BOULEVARD TORRANCE, CA 905012567 | PRINCIPAL LIFE INSURANCE COMPANY | $420 | — | $420 | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPARTMENT 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | $140 | — | $140 | 5.00% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC | 2356 TORRANCE BOULEVARD TORRANCE, CA 90501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $74 | — | $74 | 15.04% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 1550 WEST COLORADO BOULEVARD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.20% |
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 | 676 | 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) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 669 | $2.7M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 669 | $2.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 669 | $231K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 669 | $231K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 7 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.