| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LACHER, BRIAN3 | 18827 CARMEL CREST DR TARZANA, CA 91356 | BLUE CROSS OF CALIFORNIA | $80K | $0 | $80K | 2.79% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | BLUE CROSS OF CALIFORNIA | $522 | $0 | $522 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | -$44K | -$44K | -1.55% |
| LACHER INSURANCE SOLUTIONS LLC3 | 19528 VENTURA BLVD SUITE 426 TARZANA, CA 91356 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | $0 | $10K | 4.02% |
| LACHER, BRIAN3 | 18827 CARMEL CREST DR TARZANA, CA 91356 | ANTHEM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.21% |
| NAVA BENEFITS3 Filed as: NAVA BENEFIT | 228 PARK AVE. S PMB 97880 NEW YORK, NY 10003 | ANTHEM LIFE INSURANCE COMPANY | -$182 | $0 | -$182 | -0.21% |
| LACHER, BRIAN3 | 18827 CARMEL CREST DR TARZANA, CA 91356 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.22% |
| NAVA BENEFITS3 | 228 PARK AVE. S PMB 97880 NEW YORK, NY 10003 | ANTHEM LIFE INSURANCE COMPANY | -$67 | $0 | -$67 | -0.23% |
| LACHER INSURANCE SOLUTIONS LLC3 | 19528 VENTURA BLVD SUITE 426 TARZANA, CA 91356 | KAISER FOUNDATION HEALTH PLAN INC. | $906 | $0 | $906 | 4.00% |
| LACHER, BRIAN3 | 18827 W CARMEL CREST DR TARZANA, CA 91356 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 16.82% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $115 | $0 | $115 | 0.67% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC DBA NAVA BENEFIT | PO BOX 515381 LOS ANGELES, AA 90051 | UNUM INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 14.95% |
| CARLA SUE MAGARITY3 | 2701 SPRING GATE PLACE MIDLOTHIAN, VA 23112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | $0 | $15 | 0.27% |
| CARLA MAGARITY3 Filed as: CARLA SUE MARGARITY | 2701 SPRING GATE PLACE MIDLOTHIAN, VA 23112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 0.91% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $633 | $0 | $633 | 12.28% |
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 | 400 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 850 | $3.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 850 | $2.9M |
| Vision | BLUE CROSS OF CALIFORNIA | 850 | $2.9M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 504 | $85K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 265 | $29K |
| Other(6 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 113 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 850 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.