| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN, INC. | $42K | $0 | $42K | 3.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $328 | $8K | 5.17% |
| 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 | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 12.08% |
| WOODRUFF-SAWYER & CO3 | 50 CALIFORNIA STREET SAN FRANCISCO, CA 94111 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.97% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $102 | $102 | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $706 | $0 | $706 | 3.11% |
| MINES INSURANCE SERVICES INC3 Filed as: MINES INSURANCE SERVICES, INC. | 1519 BARTH AVENUE RICHMOND, CA 94806 | AFLAC | $748 | $21 | $769 | 3.98% |
| WOODRUFF-SAWYER & CO3 | 220 BUSH STREET, 7TH FLOOR SAN FRANCISCO, CA 94104 | AFLAC | $523 | $0 | $523 | 2.71% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS AND OTHER AGENTS | 6185 ELEMENT LANE ROSEVILLE, CA 95747 | AFLAC | $184 | $10 | $194 | 1.01% |
| BRITTANY MAAS3 | 127 ADELAIDE XING ACWORTH, GA 30101 | AFLAC | $91 | $0 | $91 | 0.47% |
| SERGIO I GARCIA3 Filed as: SERGIO GARCIA | 7728 SKYBLUE AVENUE APARTMENT 109 WESLEY CHAPEL, FL 33545 | AFLAC | $83 | $0 | $83 | 0.43% |
| GUILLERMO H PALOMINO3 Filed as: GUILLERMO PALOMINO | 14224 NORTH 26TH DRIVE PHOENIX, AZ 85023 | AFLAC | $82 | $0 | $82 | 0.42% |
| LARS J RONTEN3 Filed as: LARS RONTEN | 3178 SOFIA DRIVE LINCOLN, CA 95648 | AFLAC | $76 | $0 | $76 | 0.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 12.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 175 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $159K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 185 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $63K |
| Short-term disability | AFLAC | 13 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $63K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 175 | $1.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.