| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $81K | — | $81K | 4.51% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | — | $30K | $30K | 1.70% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 4.95% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 2.49% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORP. | $14K | — | $14K | 5.65% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SAN MATEO, CA 94402 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 2.96% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.08% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.09% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $412 | $3K | 17.16% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $915 | $172 | $1K | 11.88% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $15 | $2K | 20.19% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 104 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 130 | $256K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 130 | $256K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 27 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $60K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 104 | $2.2M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.