| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANCHOR PACIFIC INSURANCE SERVICES3 | INC 1265 CARLSBAD VILLAGE DR, STE 201 CARLSBAD, CA 92008 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $183K | — | $183K | 4.52% |
| 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 | — | $73K | $73K | 1.81% |
| ANCHOR PACIFIC INSURANCE SERVICES3 | INC 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 920081972 | KAISER FOUNDATION HEALTH PLAN, INC. | $29K | — | $29K | 4.51% |
| ANCHOR PACIFIC INSURANCE SERVICES3 Filed as: ANCHOR PACIFIC INSURANCE | SERVICES DBA STEPH 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 920081972 | PRINCIPAL LIFE INSURANCE COMPANY | $66K | $10K | $76K | 12.33% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | — | $28K | $28K | 4.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPT. 32110 AGOURA RD WESTLAKE VLG, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.76% |
| ANCHOR PACIFIC INSURANCE SERVICES3 | INC D/B/A STEPHANIE SAN AN 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 920081972 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 20.21% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 8.68% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | — | $980 | $980 | 2.61% |
| ANCHOR PACIFIC INSURANCE SERVICES3 | INC D/B/A STEPHANIE SAN AN 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 920081972 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 20.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 8.69% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | — | $681 | $681 | 3.01% |
| ANCHOR PACIFIC INSURANCE SERVICES3 | INC D/B/A STEPHANIE SAN AN 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 920081972 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 8.40% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | — | $510 | $510 | 2.70% |
| ANCHOR PACIFIC INSURANCE SERVICES3 Filed as: ANCHOR PACIFIC INSURANCE SERVS INC | DBA STEPHANIE SAN ANTONIO INS SVCS 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 92008 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 16.74% |
| ANCHOR PACIFIC INSURANCE SERVICES3 Filed as: ANCHOR PACIFIC INSURANCE SERVS INC | DBA STEPHANIE SAN ANTONIO INSURANCE 1265 CARLSBAD VILLAGE DR STE 201 CARLSBAD, CA 92008 | METLIFE LEGAL PLANS | $492 | — | $492 | 14.92% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 579 | $4.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 781 | $614K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 781 | $614K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 781 | $614K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 781 | $614K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 781 | $614K |
| Other(6 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 781 | $706K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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.