| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 301 EAST COLORADO BOULEVARD SUITE 200 PASADENA, CA 91101 | BLUE CROSS OF CALIFORNIA | $54K | — | $54K | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 RIVER PARK PLACE WEST, SUITE 605 FRESNO, CA 93720 | BLUE CROSS OF CALIFORNIA | $11K | — | $11K | 0.90% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH 1ST STREET, SUITE 301 BURBANK, CA 91502 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 5.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.90% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH 1ST STREET, SUITE 301 BURBANK, CA 91502 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 6.09% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.41% |
| ASSUREDPARTNERS3 Filed as: UNITED AGENCIES, INC. | 100 NORTH 1ST STREET, SUITE 301 BURBANK, CA 91502 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6769 NORTH WICKHAM ROAD, SUITE B107 MELBOURNE, FL 32940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $431 | — | $431 | 1.73% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $25K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $1.2M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 178 | $1.2M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 178 | $1.2M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 178 | $1.2M |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $1.6M |
| Other | BLUE CROSS OF CALIFORNIA | 178 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.