| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC DBA | 23151 VERDUGO DRIVE LAGUNA HILLS, CA 92653 | AETNA HEALTH OF CALIFORNIA INC. | $31K | $0 | $31K | 4.60% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH OF CALIFORNIA INC. | $10K | $0 | $10K | 1.53% |
| DEALER INSURANCE SERVICES, INC.3 Filed as: DEALER INSURANCE SERVICES, INC | 23151 VERDUGO DR. STE. 111 LAGUNA HILLS, CA 92653 | AETNA HEALTH OF CALIFORNIA INC. | $3K | $0 | $3K | 0.49% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES, INC | 23151 VERDUGO DR. LAGUNA HILLS, CA 92653 | AETNA LIFE INSURANCE CO. | $13K | $0 | $13K | 6.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $6K | $0 | $6K | 2.77% |
| DEALER INSURANCE SERVICES, INC.3 | 23151 VERDUGO DR. STE. 111 LAGUNA HILLSC, CA 92653 | AETNA LIFE INSURANCE CO. | $892 | $0 | $892 | 0.44% |
| ALKEME INSURANCE SERVICES INC3 | 111 CORPORATE DR STE 200 LADERA RANCH, CA 926941157 | KAISER FOUNDATION HEALTH PLAN, INC | $7K | $0 | $7K | 4.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC | $2K | $0 | $2K | 1.32% |
| ALKEME INSURANCE SERVICES INC3 Filed as: ALKEME INSURANCE SERVICES - DEALER | — | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 14.63% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 82 | $368K |
| Dental | AETNA LIFE INSURANCE CO. | 82 | $204K |
| Vision | AETNA LIFE INSURANCE CO. | 82 | $204K |
| Life insurance | HUMANA INSURANCE COMPANY | 165 | $29K |
| Other | HUMANA INSURANCE COMPANY | 165 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.