| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INSURANCE, LLC. | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 4.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 1.27% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INSURANCE SVCS | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | BLUE SHIELD OF CALIFORNIA | $16K | $0 | $16K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE SHIELD OF CALIFORNIA | $0 | $7K | $7K | 2.07% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | $4K | $288 | $4K | 4.90% |
| BRENDA COLLINS POWELL3 | 1727 STATE STREET SANTA BARBARA, CA 93101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.87% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $511 | $2K | 5.67% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INSURANCE SVCS | 996 SOUTH SEAWARD AVENUE VENTURA, TX 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.24% |
| GOLD RIVER FINANCIAL GROUP LLC3 Filed as: GOLD RIVER FIN. AND OTHER AGENTS | 2807 GRATTON STREET RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $209 | $2K | 4.53% |
| ACCESS BENEFIT SOLUTIONS LLC3 Filed as: ACCESS BENEFTI SOLUTIONS LLC | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $63 | $1K | 3.87% |
| BOWLES INSURANCE SERVICES LLC3 | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $905 | $446 | $1K | 3.72% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $814 | $450 | $1K | 3.48% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INSURANCE SVCS | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.06% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INSURANCE SVCS | 996 SOUTH SEAWARD AVENUE VENTURA, TX 93001 | HUMANADENTAL INSURANCE COMPANY | $305 | $0 | $305 | 4.55% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANADENTAL INSURANCE COMPANY | $0 | $119 | $119 | 1.77% |
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 | 131 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 74 | $914K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 74 | $94K |
| Vision | HUMANA INSURANCE COMPANY | 74 | $87K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $25K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $62K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.