| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | $0 | $34K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | UNKNOWN SANTA ANA, CA 92705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $2K | $27K | 4.18% |
| 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 | $8K | $8K | 1.23% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET, SUITE 100 LITTLE ROCK, AR 72201 | KAISER FOUNDATON HEALTH PLAN, INC. | $8K | $0 | $8K | 3.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | KAISER FOUNDATON HEALTH PLAN, INC. | $5K | $1K | $6K | 2.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATON HEALTH PLAN, INC. | $3K | $0 | $3K | 1.17% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SVCS, | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $11K | $20K | 11.09% |
| STEPHENS INSURANCE LLC3 | UNKNOWN OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.21% |
| STEPHENS INSURANCE LLC3 | UNKNOWN OMAHA, NE 68175 | DELTA DENTAL OF CALIFORNIA | $5K | $0 | $5K | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | UNKNOWN SANTA ANA, CA 92705 | DELTA DENTAL OF CALIFORNIA | $3K | $0 | $3K | 3.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD, SUITE 315 CHARLOTTE, NC 28211 | DELTA DENTAL OF CALIFORNIA | $2K | $0 | $2K | 2.44% |
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 | 140 | 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) | 140 | 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 | 128 | $887K |
| Dental | DELTA DENTAL OF CALIFORNIA | 242 | $82K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $176K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $176K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $176K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $176K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.