| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 2.50% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 2.48% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 1.00% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC D/B/A NAVA BENEFITS | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.85% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $19 | $9K | 4.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.59% |
| NIELSEN INSURANCE GROUP INC3 | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $864 | — | $864 | 0.50% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFI | PMB 97880 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.00% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.56% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | KAISER FOUNDATION HEALTH PLAN, INC. | $435 | — | $435 | 1.42% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NAVA BENEFITS3 Filed as: NAVA BENEFITS DBA ADVOCATE INC. | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.51% |
| NAVA BENEFITS3 Filed as: NAVA BENEFITS DBA ADVOCATE INC | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.36% |
| NAVA BENEFITS3 Filed as: NAVA BENEFITS DBA ADVOCATE INC | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $278 | — | $278 | 1.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $254 | — | $254 | 1.06% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $164 | — | $164 | 0.69% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFFITS INS SOLUTIONS IN | 9625 MISSION GORGE ROAD SUITE B2 #304 SANTEE, CA 92071 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN, INC. | $674 | — | $674 | 3.73% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | KAISER FOUNDATION HEALTH PLAN, INC. | $225 | — | $225 | 1.25% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $221 | — | $221 | 10.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $174K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $174K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 178 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $28K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.