| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | BLUE CROSS OF CALIFORNIA | $54K | — | $54K | 5.53% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | BLUE CROSS OF CALIFORNIA | $5K | — | $5K | 0.56% |
| PATRICIA CLINE3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49005 | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 4.16% |
| GROTENHUIS3 | P.O. BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $3K | — | $3K | 1.05% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BLVD SUITE 1045 SANTA MONICA, CA 90405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $54K | — | $54K | 17.37% |
| JAMES BENNETT3 Filed as: JAMES BENNETT & CO | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 1.75% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK SUITE 1045 SANTA MONICA, CA 90405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA/CALIFORNIA | $8K | — | $8K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVI | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA/CALIFORNIA | $4K | — | $4K | 5.00% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA/CALIFORNIA | $66 | — | $66 | 0.08% |
| CHRISTOPHER T FISHER LLC3 | 444 WEST MICHIGAN AVENUE KALAMAZOO, MI 49007 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN/MICHIGAN | $3K | — | $3K | 8.37% |
| LIFETIME FINANCIAL GROWTH OF M3 | 24255 WEST 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICAN/MICHIGAN | $170 | — | $170 | 0.56% |
| JAMES P BENNETT AND CO3 Filed as: JAMES PA BENNETT & CO | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $630 | $3K | 12.31% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $447 | $2K | 12.33% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $331 | $2K | 12.69% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $243 | $1K | 12.32% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $535 | $129 | $664 | 12.42% |
| JAMES P BENNETT & CO3 | 2716 OCEAN PARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $424 | $98 | $522 | 12.30% |
| JAMES P BENNETT AND CO3 | 2716 OCEANPARK BOULEVARD SUITE 1045 SANTA MONICA, CA 90405 | FEDERAL INSURANCE COMPANY | $521 | — | $521 | 15.01% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 101 | $1.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA/CALIFORNIA | 99 | $109K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 101 | $342K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $5K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 47 | $333K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 212 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.