| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $251K | — | $251K | 7.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 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 | 4.01% |
| 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 | 1.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905010000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | — | $25K | 9.92% |
| POST INSURANCE SERVICES INC3 Filed as: POST INSURANCE SERVICES/JOHN POST | 2356 TORRANCE BLVD TORRANCE, CA 90501 | TOWN & COUNTRY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | HUMANADENTAL INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.10% |
| 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 | $2K | — | $2K | 4.55% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 16.50% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 905012567 | PRINCIPAL LIFE INSURANCE COMPANY | $913 | — | $913 | 13.78% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | $304 | $63 | $367 | 5.54% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $525 | — | $525 | 9.04% |
| 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 | $263 | — | $263 | 4.53% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $847 | — | $847 | 15.00% |
| POST INSURANCE SERVICES INC3 | 2356 TORRANCE BLVD TORRANCE, CA 90501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $373 | — | $373 | 16.50% |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 879 | 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 | 535 | $4.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 435 | $351K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 435 | $248K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 985 | $47K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $21K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $16K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 985 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.