| 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 | $175K | — | $175K | 5.67% |
| 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 | — | $70K | $70K | 2.28% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 4.55% |
| MORETON & COMPANY3 | PO BOX 58139 11 30 2022 EM SALT LAKE CITY, UT 84158 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | INC. 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $4 | $21K | 5.40% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES, INC. | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | KAISER FOUNDATION HEALTH PLAN INC | -$1K | — | -$1K | -0.29% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES AXX | 2356 TORRANCE BLVD TORRANCE, CA 90501 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & CO. 203 | PO BOX 58139 SALT LAKE CITY, UT 841580139 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $908 | — | $908 | 1.91% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 16.51% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | PRINCIPAL LIFE INSURANCE COMPANY | $938 | — | $938 | 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 | $313 | $60 | $373 | 5.96% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $715 | — | $715 | 15.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $563 | — | $563 | 15.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $313 | — | $313 | 16.53% |
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 | 874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 880 | 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 | 767 | $4.2M |
| Dental(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 767 | $3.2M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 767 | $3.1M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 767 | $3.1M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $4K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 19 | $11K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 767 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.