| 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 | $84K | $0 | $84K | 4.58% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $32K | $0 | $32K | 2.51% |
| POMS AND ASSOCIATES INS. BROKERS3 | 24025 PARK SORRENTO, SUITE 110 CALABASAS, CA 91302 | BLUE CROSS OF CALIFORNIA | $32K | $0 | $32K | 2.51% |
| RAOUL HAMILTON3 | 443 WEST 93RD STREET INGLEWOOD, CA 90301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | $0 | $24K | 8.11% |
| MIKE MCCORMICK3 | SEVEN MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 4.35% |
| MJ INSURANCE3 Filed as: CHARLES D. SMITH AND VARIOUS AGENTS | 4040 EAST PIEDMONT DRIVE HIGHLAND, CA 92346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $9K | 3.11% |
| MICHAEL JAMES LANCASTER3 | 22365 EL TORO ROAD LAKE FOREST, CA 92630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 1.51% |
| BENEFITS COORDINATOR3 | PO BOX 727 ARTESIA, CA 90702 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 1.37% |
| ROSE VILLALON PASQUEL3 | 552 EAST CARSON STREET CARSON, CA 90745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $398 | $3K | 1.03% |
| INOCENCIA MAY CRAWFORD3 | 3055 FOOTHILL BOULEVARD SUITE 3 LA CRESCENTA, CA 91214 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $138 | $3K | 0.94% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $0 | $20K | 9.92% |
| BENEFIT COMMUNICATIONS INS. SVC.3 Filed as: BENEFIT COMMUNICATIONS INS SVC INC | 29811 SANTA MARGARITA PARKWAY SUITE 100 RANCHO SANTA MARGARITA, CA 92688 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.27% |
| RAOUL HAMILTON3 | 10608 CRENSHAW BOULEVARD APARTMENT 3 INGLEWOOD, CA 90303 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.27% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.65% |
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 | 453 | 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) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 293 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 435 | $203K |
| Vision | VISION SERVICE PLAN | 440 | $30K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 453 | $88K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 453 | $88K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 293 | $3.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 453 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.