| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS AND ASSOC. INS. BROKERS, INC. | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 2.76% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS AND ASSOC. INS. BROKERS, INC. | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $63K | — | $63K | 5.00% |
| POMS AND ASSOCIATES INS. BROKERS3 | 7935 EAST PRENTIVE AVENUE SUITE 110-W GREENWOOD VILLAGE, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $5K | $31K | 11.96% |
| RAOUL HAMILTON3 | 443 WEST 93RD STREET INGLEWOOD, CA 90301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 9.36% |
| MIKE MCCORMICK3 | 348 SOUTH STRONGS COURT SALT LAKE CITY, UT 84102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $231 | $11K | 5.26% |
| SHERRI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $226 | $5K | 2.17% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $325 | $4K | 1.97% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $105 | $4K | 1.81% |
| ELAINE G EVERETT3 Filed as: ELAINE G. EVERETT | PO BOX 1312 LA MIRADA, CA 90637 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $53 | $2K | 0.84% |
| MJ INSURANCE3 Filed as: GABRIEL HOLGUIN AND VARIOUS AGENTS | 26342 FOREST BRIDGE DRIVE LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $178 | $2K | 0.71% |
| BENEFIT COMMUNICATIONS INS. SVC.3 | 29811 SANTA MARGARITA PARKWAY SUITE 100 RANCHO SANTA MARGARITA, CA 92688 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| RAOUL HAMILTON3 | 10608 CRENSHAW BOULEVARD APARTMENT 3 INGLEWOOD, CA 90303 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
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 | 437 | 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) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 265 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $256K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 421 | $256K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 437 | $75K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 437 | $75K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 265 | $2.8M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 437 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.