| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $172K | — | $172K | 5.27% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | INC 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | — | $69K | $69K | 2.12% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 841580000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 2.87% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 2.13% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 5.25% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & CO. 203 | PO BOX 58139 SALT LAKE CITY, UT 841580139 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $3K | — | $3K | 4.12% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 5.54% |
| MORETON & COMPANY3 | 101S 200 E STE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.34% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92 | — | $92 | 1.16% |
| MORETON & COMPANY3 | 101S 200 E STE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $399 | — | $399 | 15.46% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27 | — | $27 | 1.05% |
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 | 790 | 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) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 704 | $4.3M |
| Dental(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 704 | $3.4M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 704 | $3.3M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 704 | $3.3M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 704 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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.