| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CALIFORNIA PHYSICIANS SERVICE | $21K | — | $21K | 2.56% |
| JUDD SWARZMAN3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | CALIFORNIA PHYSICIANS SERVICE | $14K | — | $14K | 1.73% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | $8K | — | $8K | 0.93% |
| TINA SEEWACK3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | CALIFORNIA PHYSICIANS SERVICE | $5K | — | $5K | 0.58% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 2.45% |
| JUDD SWARZMAN3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 2.13% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 5.07% |
| JUDD SWARZMAN3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.63% |
| TINA SEEWACK3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.21% |
| JUDD SWARZMAN3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 6.46% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $809 | — | $809 | 5.08% |
| TINA SEEWACK3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $343 | — | $343 | 2.15% |
| JUDD SWARZMAN3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 6.61% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $658 | — | $658 | 4.97% |
| TINA SEEWACK3 | 4460 LIBBIT AVENUE ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $292 | — | $292 | 2.21% |
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 | 139 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 99 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $126K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $126K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $16K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 99 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.