| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $90K | $0 | $90K | 4.99% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE SUITE 400 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $60K | $0 | $60K | 4.57% |
| RAOUL HAMILTON3 | 443 WEST 93RD STREET INGLEWOOD, CA 90301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $0 | $22K | 8.65% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 3.81% |
| DAVID A. RACKLIFFE3 | 35 DANBURY LANE IRVINE, CA 92618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $448 | $6K | 2.31% |
| MJ INSURANCE3 Filed as: DAVID CHRISTENSEN & VARIOUS AGENTS | 180 MCKNIGHT DRIVE LAGUNA BEACH, CA 92651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $294 | $4K | 1.67% |
| SHERI BARHAM3 | 24694 PASEO DE TORONTO YORBA LINDA, CA 92887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $153 | $4K | 1.61% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.45% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY III | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $800 | $2K | 0.70% |
| BENEFIT COMMUNICATIONS INS. SVC.3 Filed as: BENEFIT COMMUNICATIONS INS SVCS INC | 29811 SANTA MARGARITA PARKWAY SUITE 200 RANCHO SANTA MARGARITA, CA 92688 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.20% |
| RAOUL HAMILTON3 | 10608 CRENSHAW BOULEVARD APARTMENT 3 INGLEWOOD, CA 90303 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.20% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 14.65% |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 306 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $201K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 7 | $35K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 470 | $87K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 470 | $87K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 306 | $3.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 470 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.