| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMEO INSURANCE SERVICES LLC3 | 3500 W OLIVE AVE STE 300 BURBANK, CA 91505 | BLUE CROSS OF CALIFORNIA (G0200) | $51K | — | $51K | 2.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA RD WESTLAKE VLLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA (G0200) | — | $29K | $29K | 1.61% |
| RYAN, KYLE3 | 3500 W. OLIVE AVE, SUITE 300 BURBANK, CA 91505 | BLUE CROSS OF CALIFORNIA (G0200) | $21K | — | $21K | 1.17% |
| CAMEO INSURANCE SERVICES | 3500 W. OLIVE AVENUE SUITE 300 BURBANK, CA 91505 | GUARDIAN | $13K | — | $13K | 7.88% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INSURANCE SERVI | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | GUARDIAN | $8K | — | $8K | 4.99% |
| KYLE RYAN Filed as: KYLE ROBERT RYAN | 6201 KENTLAND AVE WOODLAND HILLS, CA 91367 | GUARDIAN | $6K | — | $6K | 3.46% |
| BROWN & BROWN INSURANCE SERVICES Filed as: WORD & BROWN, INSURANCE ADMINI | 721 S. PARKER 300 ORANGE, CA 92868 | GUARDIAN | -$151 | — | -$151 | -0.09% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA (G0200) | 253 | $1.8M |
| Dental | GUARDIAN | 176 | $164K |
| Vision | GUARDIAN | 176 | $164K |
| Life insurance | GUARDIAN | 176 | $164K |
| Long-term disability | GUARDIAN | 176 | $164K |
| Other | GUARDIAN | 176 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.