| 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 | $89K | — | $89K | 4.30% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | — | $34K | $34K | 1.62% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 5.07% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | — | $9K | 2.51% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SAN MATEO, CA 94402 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 2.96% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.06% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.06% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.21% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $917 | $4K | 20.30% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $381 | $2K | 24.98% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA, SUITE 206 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $706 | $436 | $1K | 16.18% |
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 | 159 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 107 | $2.4M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 134 | $187K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 134 | $187K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $83K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $59K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 107 | $2.4M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.