| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PACIFIC UNIFIED INSURANCE AGENCY3 Filed as: PACIFIC UNIFIED INSURANCE | PO BOX 68 LAWNDALE, CA 90260 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | $36K | — | $36K | 3.66% |
| 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) | — | $17K | $17K | 1.71% |
| PACIFIC UNIFIED INSURANCE AGENCY3 Filed as: PACIFIC UNIFIED | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 6.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS (CA) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.56% |
| SEATECH INSURANCE AGENCY INC3 Filed as: SEATECH INSURANCE AGENCY INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.93% |
| PACIFIC UNIFIED INSURANCE AGENCY3 Filed as: PACIFIC UNIFIED INS AGENCY | 15901 HAWTHORNE BLVD STE 200 LAWNDALE, CA 902602657 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 5316 VENICE BLVD LOS ANGELES, CA 900195238 | METROPOLITAN LIFE INSURANCE COMPANY | $615 | — | $615 | 5.05% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 395 | $972K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 207 | $136K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 395 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 395 | $984K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G0360) | 395 | $984K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.