| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $63K | — | $63K | 6.30% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES PARKER | P.O. BOX 3947 FRESNO, CA 93650 | BLUE CROSS OF CALIFORNIA | -$23 | — | -$23 | -0.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 4.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $60 | $9K | 25.92% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | P.O. BOX 80517 CITY OF INDUSRY, CA 91716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $626 | $4K | 12.01% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | P.O. BOX 80517 CITY OF INDUSRY, CA 91716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $350 | $2K | 11.86% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | P.O. BOX 80517 CITY OF INDUSRY, CA 91716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $352 | $2K | 11.99% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | P.O. BOX 80517 CITY OF INDUSRY, CA 91716 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $208 | $1K | 12.02% |
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 | 155 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 121 | $1.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 121 | $1.0M |
| Vision | BLUE CROSS OF CALIFORNIA | 121 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 155 | $86K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 155 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $10K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 121 | $1.0M |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 155 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.