| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDDIE T HUANG3 | 46921 WARM SPRINGS BLVD, STE 202 FREMONT, CA 94539 | BLUE CROSS OF CALIFORNIA | $23K | — | $23K | 6.14% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $8K | $8K | 2.11% |
| EDDIE T HUANG3 | 46921 WARM SPRINGS BLVD, STE 202 FREMONT, CA 94539 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 5.02% |
| EDDIE T HUANG3 | 46921 WARM SPRINGS BLVD, STE 202 FREMONT, CA 94539 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 10.00% |
| EDDIE T HUANG3 Filed as: EDDIE TZU-YUAN HUANG | 39675 CEDAR BLVD, SUITE 190 NEWARK, CA 94560 | FIDELITY SECURITY LIFE | $3K | — | $3K | 13.00% |
| EDDIE T HUANG3 | 46921 WARM SPRINGS BLVD, STE 202 FREMONT, CA 94539 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $877 | — | $877 | 6.14% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $301 | $301 | 2.11% |
| EDDIE T HUANG3 | 39675 CEDAR BLVD, SUITE 190 NEWARK, CA 94560 | VISION SERVICE PLAN | $885 | — | $885 | 6.55% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 61 | $635K |
| Dental | DELTA DENTAL OF CALIFORNIA | 106 | $81K |
| Vision | VISION SERVICE PLAN | 106 | $14K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 110 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 61 | $635K |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE | 110 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.