| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 | PO BOX 80517 CITY OF INDUSTRY, CA 91716 | AETNA HEALTH, INC. | $126K | $9 | $126K | 4.93% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 4.70% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS AND ASSOCIATES INC. BROKERS | 7935 EAST PRENTICE AVENUE SUITE 110-W GREENWOOD VILLAGE, CO 80111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 11.91% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $3K | $0 | $3K | 9.85% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 8.00% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 8.23% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 425 | $3.1M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 424 | $365K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 479 | $34K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 425 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.