| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $46K | $46K | 3.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $20K | $20K | 1.65% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN. SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$2K | -$2K | -0.20% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | $3K | $27K | 5.45% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | $0 | $7K | 1.42% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | STARMOUNT LIFE INSURANCE COMPANY | $23K | $0 | $23K | 10.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $11K | $11K | 5.00% |
| EXPERTQUOTE, INC.3 | 3362 RAINHILL LOOP ROSEVILLE, CA 95747 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 11.42% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 231 | $227K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 231 | $227K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $86K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.