| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $35K | — | $35K | 7.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $5K | — | $5K | 1.01% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $911 | — | $911 | 1.00% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 15.00% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.59% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.32% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 16.74% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIBERTY DENTAL PLANS OF CALIFORNIA, INC. | $749 | — | $749 | 10.25% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $799 | — | $799 | 15.00% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $286 | — | $286 | 16.53% |
| THOMAS MEANS3 | 4607 LAKEVIEW CANYON ROAD WESTLAKE VILLAGE, CA 91361 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $182 | — | $182 | 16.76% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 83 | $590K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 89 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 89 | $59K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $8K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 83 | $590K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 150 | $3K |
| 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.