| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARR AND ASSOCIATES INS. SVCS., LLC3 | 996 SOUTH SEAWARD AVENUE VENTURA, CA 930013737 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | — | $19K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 2.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 1.41% |
| FARR AND ASSOCIATES INS. SVCS., LLC3 Filed as: FARR & ASSOCIATES INSURANCE | 996 S SEAWARD AVE. VENTURA, CA 93001 | CALIFORNIA PHYSICIANS SERVICE DBA BLUE SHIELD OF CALIFORNIA | $10K | — | $10K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE DBA BLUE SHIELD OF CALIFORNIA | $9K | — | $9K | 2.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE DBA BLUE SHIELD OF CALIFORNIA | $7K | — | $7K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR SUITE 100 SAN DIEGO, CA 921226231 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| FARR AND ASSOCIATES INS. SVCS., LLC3 | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 2.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | — | $340 | $340 | 0.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $192 | $2K | 5.81% |
| FARR AND ASSOCIATES INS. SVCS., LLC3 Filed as: FARR & ASSOCIATES INSURANCE SVCS | 996 S SEAWARD AVE VENTURA, CA 93001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.66% |
| ACCESS BENEFIT SOLUTIONS LLC3 Filed as: ACCESS BENEFIT SOLUTIONS,LLC | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $44 | $1K | 6.46% |
| BRENDA COLLINS POWELL3 | 432 W. VALERIO ST. SANTA BARBARA, CA 93101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $906 | — | $906 | 4.93% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | $319 | $688 | 3.74% |
| FARR AND ASSOCIATES INS. SVCS., LLC3 Filed as: FARR & ASSOCIATES INSURANCE SERVICE | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | — | $528 | 2.87% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $111 | $425 | 2.31% |
| MARIA GUADALUPE HARO VILLAESCUSA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $1 | $75 | 0.41% |
| RICHARD SCHWAGER3 | 2210 VILLAGE DALE AVE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITY WEST BOULEVARD HOUSTON, TX 77042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $2 | $35 | 0.19% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.15% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.14% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DR BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.08% |
| LAMBERT MONTALBO3 | 26197 MIRANDA ST HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | HUMANADENTAL INSURANCE COMPANY | — | $277 | $277 | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR SUITE 100 SAN DIEGO, CA 921226231 | HUMANADENTAL INSURANCE COMPANY | $275 | — | $275 | 2.97% |
| FARR AND ASSOCIATES INS. SVCS., LLC3 | 996 SOUTH SEAWARD AVENUE VENTURA, CA 930013737 | HUMANADENTAL INSURANCE COMPANY | $168 | — | $168 | 1.81% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 67 | $988K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 93 | $84K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $29K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $29K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 67 | $988K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.