| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER PERMANENTE | $4K | — | $4K | 6.27% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER PERMANENTE | $1K | — | $1K | 2.21% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.14% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.39% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER PERMANENTE | $2K | — | $2K | 6.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER PERMANENTE | $826 | — | $826 | 2.10% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | KAISER PERMANENTE | $2K | — | $2K | 6.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER PERMANENTE | $701 | — | $701 | 2.26% |
| POMS & ASSOCIATES INSURANCE BROKERS3 Filed as: POMS & ASSOCIATES | 5700 CANOGA AVE., SUITE 400 WOODLAND HILLS, CA 91367 | GUARDIAN | $3K | — | $3K | 11.46% |
| 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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER PERMANENTE | 15 | $205K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 54 | $63K |
| Vision | GUARDIAN | 112 | $24K |
| Life insurance | GUARDIAN | 112 | $24K |
| Prescription drug(3 contracts) | KAISER PERMANENTE | 15 | $138K |
| Other | GUARDIAN | 112 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.