| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITSCAFE.COM3 | 280 N MONTEBELLO BLVD.#102 MONTEBELLO, CA 90640 | HEALTH NET | $35K | — | $35K | 5.00% |
| BENEFITSCAFE.COM3 Filed as: BENEFITSCAFE.COM INC. | 280 N. MONTEBELLO BLVD #102 MONTEBELLO, CA 90640 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 5.00% |
| BENEFITSCAFE.COM3 | 280 N MONTEBELLO BLVD STE. 102 MONTEBELLO, CA 90640 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.04% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD. WESTLAKE VLG, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $307 | $2K | 5.97% |
| BENEFITS CAFE COM INC3 Filed as: BENEFITS CAFE.COM INC. | 280 N. MONTEBELLO BLVD. #102 MONTEBELLO, CA 90640 | DELTA DENTAL OF CALIFORNIA | $293 | — | $293 | 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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 71 | $706K |
| Dental(3 contracts, 2 carriers) | HEALTH NET | 142 | $789K |
| Vision(2 contracts, 2 carriers) | HEALTH NET | 183 | $736K |
| Life insurance(2 contracts, 2 carriers) | HEALTH NET | 183 | $736K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.