| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $3K | $11 | $3K | 5.31% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER PERMANENTE | $3K | — | $3K | 7.52% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER PERMANENTE | $1K | — | $1K | 2.47% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER PERMANENTE | $2K | — | $2K | 7.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER PERMANENTE | $789 | — | $789 | 2.41% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | GUARDIAN | $3K | — | $3K | 11.45% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER PERMANENTE | $827 | — | $827 | 6.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER PERMANENTE | $302 | — | $302 | 2.37% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UDC DENTAL OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 14 | $156K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 68 | $66K |
| Vision | GUARDIAN | 129 | $25K |
| Life insurance | GUARDIAN | 129 | $25K |
| Prescription drug(3 contracts) | KAISER PERMANENTE | 14 | $87K |
| Other | GUARDIAN | 129 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.