| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INS. SVCS., LLC | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $0 | $29K | 5.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.71% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INS. SVCS., LLC | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 3.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | $0 | $329 | $329 | 0.31% |
| BRENDA COLLINS POWELL3 | 1727 STATE STREET, SUITE 5 SANTA BARBARA, CA 93101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.71% |
| MJ INSURANCE3 Filed as: ISIDORO ZEICHNER AND VARIOUS AGENTS | 1611 HUNTINGTON DRIVE, APARTMENT 7 SOUTH PASADENA, CA 91030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $95 | $1K | 4.39% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR & ASSOCIATES INSURANCE SERVICE | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.80% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $544 | $442 | $986 | 3.04% |
| ACCESS BENEFIT SOLUTIONS LLC3 Filed as: ACCESS BENEFIT SOLUTIONS,LLC | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $953 | $0 | $953 | 2.94% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $628 | $271 | $899 | 2.77% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $700 | $138 | $838 | 2.58% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR & ASSOCIATES INSURANCE SVCS. | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.42% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INS. SVCS., LLC | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | HUMANADENTAL INSURANCE COMPANY | $222 | $0 | $222 | 3.88% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANADENTAL INSURANCE COMPANY | — | $113 | $113 | 1.98% |
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 | 132 | 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) | 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 | 132 | $506K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 132 | $110K |
| Vision | HUMANA INSURANCE COMPANY | 132 | $104K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $27K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $59K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 74 | $506K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.