| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMSHAW ENTERPRISES INC3 Filed as: RAMSHAW ENTERPRISES INC. | 18636 AVENIDA CORDILLERA SAN DIEGO, CA 92128 | BLUE CROSS OF CALIFORNIA | $28K | — | $28K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: DBS - ARTHUR J GALLAGHER & CO. | 3838 CAMINO DEL RIO N, SUITE 315 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $9K | — | $9K | 0.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $255 | $4K | $5K | 0.47% |
| RAMSHAW ENTERPRISES INC3 Filed as: RAMSHAW ENTERPRISES INC. | 18636 AVENIDA CORDILLERA SAN DIEGO, CA 92128 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $19K | — | $19K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: DBS - ARTHUR J GALLAGHER & CO. | 3838 CAMINO DEL RIO N, SUITE 315 SAN DIEGO, CA 92108 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 0.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $169 | $3K | $3K | 0.47% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $457 | $4K | 5.89% |
| JOSEPH RUBINO3 | 1806 BRABHAM STREET EL CAJON, CA 92019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $33 | $2K | 3.45% |
| FREDERICK D BRADFORD3 | 16057 OAKLEY ROAD RAMOMA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.36% |
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 | 190 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 190 | $1.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 190 | $650K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 190 | $650K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 190 | $650K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 190 | $1.6M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 190 | $714K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
No prospect flags tripped on this filing.