| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC | 1520 BRIDGEWATER DRIVE DIAMOND BAR, CA 91765 | AETNA HEALTH OF CALIFORNIA INC. | $32K | $3K | $35K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH OF CALIFORNIA INC. | $7K | — | $7K | 0.95% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC | 1520 BRIDGEGATE DRIVE DIAMOND BAR, CA 91765 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 7.08% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 1.48% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC | 1520 BRIDGEGATE DRIVE SUITE 108 DIAMOND BAR, CA 91765 | HARTFORD LIFE AND ACCIDENT | $812 | — | $812 | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 321110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HARTFORD LIFE AND ACCIDENT | $406 | — | $406 | 5.00% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 236 | $878K |
| Dental | AETNA LIFE INSURANCE CO. | 236 | $182K |
| Vision | AETNA LIFE INSURANCE CO. | 236 | $182K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 227 | $8K |
| Other | HARTFORD LIFE AND ACCIDENT | 227 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.