| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENTIF78, INC. DBA ALLPOINTE INS3 | 1459 18TH ST. SUITE 171 SAN FRANCISCO, CA 94107 | BLUE CROSS OF CALIFORNIA | $56K | — | $56K | 5.31% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $22K | $22K | 2.10% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | BLUE CROSS OF CALIFORNIA | — | $239 | $239 | 0.02% |
| ALLPOINTE INSURANCE SERVICES3 | 1459 18TH ST. SUITE 171 SAN FRANCISCO, CA 941072801 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 4.96% |
| WENTIF78, INC. DBA ALLPOINTE INS3 | 1459 18TH ST. SUITE 171 SAN FRANCISCO, CA 94107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 9.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 4.48% |
| WENTIF98INC3 | 1459 18TH ST. SUITE 171 SAN FRANCISCO, CA 94107 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 5.28% |
| WENTIF78INC3 | 1459 18TH STREET SUITE 171 SAN FRANCISCO, CA 94107 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $546 | — | $546 | 3.45% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $273 | $273 | 1.72% |
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 | 89 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 130 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $104K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $104K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 174 | $46K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 174 | $46K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 174 | $46K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 174 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.