| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | BLUE CROSS OF CALIFORNIA | $262K | $0 | $262K | 4.25% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP INC. | 228 PARK AVE S NEW YORK, OR 97880 | BLUE CROSS OF CALIFORNIA | $289 | $0 | $289 | 0.00% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC | 228 PARK AVE S NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | $0 | $23K | 3.94% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $24K | $0 | $24K | 4.25% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP INC. | 228 PARK AVE S NEW YORK, OR 97880 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $27 | $0 | $27 | 0.00% |
| NAVA BENEFITS3 Filed as: NAVA BENEFIT | 228 PARK AVE. S PMB 97880 NEW YORK, NY 10003 | ANTHEM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.49% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.46% |
| ADVOCATE, INC.3 Filed as: ADVOCATE INC | 228 PARK AVE S NEW YORK, NY 10003 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | $0 | $3K | 4.11% |
| NAVA BENEFITS3 | 228 PARK AVE. S PMB 97880 NEW YORK, NY 10003 | ANTHEM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.43% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.48% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 17.12% |
| ADVOCATE, INC DBA NAVA BENEFIT3 | PO BOX 515381 LOS ANGELES, AA 90051 | UNUM INSURANCE COMPANY | $543 | $0 | $543 | 1.36% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S PMB 97880 NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 18.27% |
| ADVOCATE, INC DBA NAVA BENEFIT3 | PO BOX 515381 PMB 97880 LOS ANGELES, CA 90051 | UNUM INSURANCE COMPANY | $678 | $0 | $678 | 1.73% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 19.99% |
| CARLA MAGARITY3 Filed as: CARLA SUE MARGARITY | 2701 SPRING GATE PLACE MIDLOTHIAN, VA 23112 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $0 | $190 | 1.46% |
| ADVOCATE, INC.3 Filed as: ADVOCATE, INC. DBA NAVA BENEFITS | 228 PARK AVE S NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 19.99% |
| CARLA SUE MAGARITY3 | 2701 SPRING GATE PLACE MIDLOTHIAN, VA 23112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | $0 | $32 | 2.05% |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 843 | $7.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 843 | $6.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 843 | $6.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 493 | $170K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 260 | $56K |
| Other(6 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 122 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.