| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | BLUE CROSS OF CALIFORNIA | $54K | $0 | $54K | 6.46% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $21K | $21K | 2.52% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | DELTA DENTAL OF CALIFORNIA | $12K | $0 | $12K | 9.41% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 5.38% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 30.69% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 10.23% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | FOUR EVER LIFE INS CO | $503 | — | $503 | 15.01% |
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 | 83 | 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) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $885K |
| Dental | DELTA DENTAL OF CALIFORNIA | 133 | $123K |
| Vision | BLUE CROSS OF CALIFORNIA | 133 | $840K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $874K |
| Short-term disability(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $874K |
| Long-term disability(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $874K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $885K |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 133 | $877K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.