| 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 930013737 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | — | $30K | 5.01% |
| 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 | 1.50% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR & ASSOCIATES INSURANCE | 996 S SEAWARD AVE. VENTURA, CA 93001 | CALIFORNIA PHYSICIANS SERVICE DBA BLUE SHIELD OF CALIFORNIA | $14K | — | $14K | 4.82% |
| 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 | $5K | — | $5K | 1.81% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INS. SVCS., LLC | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 4.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | — | $418 | $418 | 0.59% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR & ASSOCIATES INSURANCE SVCS | 996 SOUTH SEAWERD AVENUE VENTURA, CA 93001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.86% |
| BRENDA COLLINS POWELL3 | 432 W. VALERIO ST. SANTA BARBARA, CA 93101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.99% |
| ACCESS BENEFIT SOLUTIONS LLC3 Filed as: ACCESS BENEFIT SOLUTIONS,LLC | 1742 WICKHAM REACH DRIVE SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.87% |
| DARIN POTTS3 | 100 DETERING STREET, APARTMENT 2128 HOUSTON, TX 77007 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | $751 | $1K | 5.47% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR & ASSOCIATES INSURANCE SERVICE | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.33% |
| BOWLES INSURANCE SERVICES LLC3 Filed as: BOWLES INSURANCE SERVICES, LLC | 12816 SOUTH WINDING PINES DRIVE TOMBALL, TX 77375 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $683 | $326 | $1K | 3.72% |
| MARIA GUADALUPE HARO VILLAESCUSA3 | 756 LAST DANCE PLACE HENDERSON, NV 89011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $650 | $123 | $773 | 2.85% |
| RICHARD SCHWAGER3 | 2210 VILLAGE DALE AVE HOUSTON, TX 77059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $543 | $46 | $589 | 2.17% |
| DEBRA KAY GAPP3 | 20302 STONE FALLS COURT CYPRESS, TX 77433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $8 | $117 | 0.43% |
| ISIDORO ZEICHNER3 | 1611 HUNTINGTON DRIVE, APARTMENT 7 SOUTH PASADENA, CA 91030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $21 | $76 | 0.28% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.26% |
| LAMBERT MONTALBO3 | 26197 MIRANDA ST HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.15% |
| JOHN D EVANGELISTA3 | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $11 | $26 | 0.10% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DR BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| FARR & ASSOCIATES INS. SERVICES3 Filed as: FARR AND ASSOCIATES INS. SVCS., LLC | 996 SOUTH SEAWARD AVENUE VENTURA, CA 93001 | HUMANADENTAL INSURANCE COMPANY | $330 | — | $330 | 4.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANADENTAL INSURANCE COMPANY | — | $290 | $290 | 4.08% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 69 | $890K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 64 | $78K |
| Vision | HUMANA INSURANCE COMPANY | 64 | $71K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $29K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $29K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 69 | $890K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.