| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $66K | $0 | $66K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BLVD 6TH FL GLENDALE, CA 91203 | BLUE CROSS OF CALIFORNIA | $13K | $0 | $13K | 0.84% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $53K | $0 | $53K | 3.67% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 91716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.49% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 12.77% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 91367 | STANDARD INSURANCE COMPANY | $10K | $6K | $17K | 10.47% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 80517 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 11.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BLVD 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.11% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 91716 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 11.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BLVD 6TH FL GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $886 | $0 | $886 | 1.48% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 91716 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 11.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BLVD STE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.36% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA STE 206 CALABASAS, CA 91302 | VISION SERVICE PLAN | $837 | $0 | $837 | 3.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $536 | $0 | $536 | 2.36% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 329 | $169K |
| Vision | VISION SERVICE PLAN | 332 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 378 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 184 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 378 | $60K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.