| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 2.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 SOUTH GRAND AVENUE SUITE 4500 LOS ANGELES, CA 90071 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 2.09% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURNACE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $12K | 8.68% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 SUITE 4500 RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.57% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 RANCHO CORDOVA, CA 95670 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.56% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 16030 VENTURA BOULEVARD SUITE 260 ENCINO, IL 91436 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 15.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 19000 MACARTHUR, PENTHOUSE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 11.15% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 16030 VENTURA BOULEVARD ENCINO, IL 91436 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 8.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | HARTFORD LIFE AND ACCIDENT | $0 | $365 | $365 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | HARTFORD LIFE AND ACCIDENT | -$2K | $0 | -$2K | -6.91% |
| CAMERON J BELL3 Filed as: CAMERON J. BELL | 2390 CRENSHAW BOULEVARD SUITE 307 TORRANCE, CA 90501 | AFLAC | $1K | $1 | $1K | 7.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 734004 CHICAGO, IL 60673 | AFLAC | $947 | $0 | $947 | 5.90% |
| MJ INSURANCE3 Filed as: STEVEN JOHNSON AND VARIOUS AGENTS | 2239 WEST 190TH STREET TORRANCE, CA 90504 | AFLAC | $362 | $0 | $362 | 2.26% |
| DAVID HERNANDEZ3 | 2239 WEST 190TH STREET TORRANCE, CA 90504 | AFLAC | $325 | $0 | $325 | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $189 | $0 | $189 | 1.18% |
| JENNIFER ESHAGHIAN3 | 15906 VALLEY VISTA BOULEVARD ENCINO, CA 91436 | AFLAC | $125 | $0 | $125 | 0.78% |
| TARYN REED3 | 121 VIA EL CHICO REDONDO BEACH, CA 90277 | AFLAC | $114 | $0 | $114 | 0.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURNACE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $401 | $482 | $883 | 11.87% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS. SOLUTIONS LLC | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $762 | $0 | $762 | 10.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 SUITE 4500 RANCHO CORDOVA, CA 95670 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $440 | $0 | $440 | 5.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD, SUITE 800 RANCHO CORDOVA, CA 95670 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $238 | $238 | 3.20% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $143K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $135K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $24K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $24K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.2M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 348 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.