| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 5.05% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $23K | — | $23K | 5.89% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | AETNA HEALTH, INC. | $20K | — | $20K | 6.19% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.29% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.12% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $310 | — | $310 | 10.00% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54 | — | $54 | 10.06% |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 91 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $118K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $10K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 13 | $537 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 13 | $3K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.