| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $81K | — | $81K | 4.54% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | — | $27K | $27K | 1.54% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 4.45% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 2.23% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORP. | $14K | — | $14K | 5.64% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 2.96% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $89 | $6K | 10.14% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $327 | $6K | 10.61% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $666 | $6K | 17.05% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $573 | $4K | 17.30% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $700 | $9 | $709 | 10.14% |
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 | 199 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 131 | $2.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 154 | $254K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 154 | $254K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 39 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $63K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 131 | $2.3M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.