| 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 | $105K | — | $105K | 4.74% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $42K | $42K | 1.90% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E. HAMILTON AVENUE CAMPBELL, CA 95008 | BLUE CROSS OF CALIFORNIA | $22K | — | $22K | 0.97% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN INC. | $60K | — | $60K | 3.95% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3 POLARIS WAY ALISO VIEJO, CA 92656 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 0.78% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | P.O. BOX 80517 CITY OF INDUSRY, CA 91716 | AETNA LIFE INSURANCE COMPANY | $29K | — | $29K | 8.01% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 28202 CABOT ROAD, SUITE 600 LAGUNA NIGUEL, CA 92677 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 1.84% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 8.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $3K | — | $3K | 8.26% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 3 POLARIS WAY ALISO VIEJO, CA 92656 | EYEMED VISION CARE | $502 | — | $502 | 1.35% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORP. | $572 | — | $572 | 7.13% |
| BRAKKE SCHAFNITZ INSURANCE BROKERS3 | 3 POLARIS WAY ALISO VIEJO, CA 92656 | AMERITAS LIFE INSURANCE CORP. | $202 | — | $202 | 2.52% |
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 | 444 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 275 | $3.7M |
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 692 | $413K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 541 | $2.3M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 275 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.