| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER PEHANICK3 | 1480 MORAGA ROAD, SUITE 352 MORAGA, CA 94556 | BLUE CROSS OF CALIFORNIA | $50K | — | $50K | 4.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $19K | $19K | 1.84% |
| HEATHER PEHANICK3 | 1480 MORAGO RD. SUITE I-352 MORAGA, CA 945562005 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 3.84% |
| RONALD BLAND3 | 306 6TH AVE. SUITE B SAN MATEO, CA 944014117 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 0.34% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.94% |
| HEATHER PEHANICK3 | 1480 MORAGA RD. SUITE I-352 MORAGA, CA 945562005 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.23% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 143 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $134K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 143 | $1.0M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 143 | $1.0M |
| Other | BLUE CROSS OF CALIFORNIA | 143 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.