| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | CALIFORNIA PHYSICIANS' SERVICE | $2K | $103K | $105K | 4.79% |
| POMS AND ASSOCIATES INS. BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 9.97% |
| POMS AND ASSOCIATES INS. BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 91716 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 10.12% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $849 | $0 | $849 | 3.33% |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $0 | $305 | 1.20% |
| ASSUREDPARTNERS3 | 1873 SOUTH BELLAIRE DENVER, CO 80222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $0 | $237 | 0.93% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $214 | $0 | $214 | 0.84% |
| NANCY MILLER INSURANCE & FINAN3 Filed as: NANCY MILLER INS. & OTHER AGENTS | 1000 PASEO CAMARILLO CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $186 | $0 | $186 | 0.73% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R & B ENROLLMENT SERVICES, INC. | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 0.39% |
| POMS AND ASSOCIATES INS. BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.25% |
| POMS AND ASSOCIATES INS. BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | HUMANADENTAL INSURANCE COMPANY | $850 | $0 | $850 | 9.99% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 252 | $2.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 129 | $97K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 252 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $69K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 252 | $2.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.