| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTIONS INC. | 3191 W. TEMPLE AVE POMONA, CA 91768 | AETNA HEALTH, INC. | $74K | — | $74K | 4.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $22K | — | $22K | 1.46% |
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTIONS INC | 3191 W. TEMPLE AVE POMONA, CA 91768 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 6.70% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 2.75% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | WARNER PACIFIC INSURANCE SVCS WESTLAKE VILLAGE, CA 91361 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $36K | $2K | $38K | 104.60% |
| INNOVA INSURANCE SOLUTIONS3 Filed as: INNOVA INSURANCE SOLUTION | INNOVA INSURANCE SOLUTIONS INC POMONA, CA 91768 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | WARNER PACIFIC INSURANCE SVCS WESTLAKE VILLAGE, CA 91361 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $768 | $768 | 2.13% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 377 | $572K |
| Dental | AETNA LIFE INSURANCE CO. | 377 | $572K |
| Vision | AETNA LIFE INSURANCE CO. | 377 | $572K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 251 | $36K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 251 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.