| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M FICKEWIRTH AND ASSOCIATION I3 | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 930013920 | METROPOLITAN LIFE INSURANCE COMPANY | $148K | $338K | $486K | 9.75% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $154K | $229K | $382K | 12.57% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $93K | — | $93K | 9.59% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M. FICKEWIRTH & ASSOCIATES INS | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $22K | $59K | 14.62% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M. FICKEWIRTH & ASSOCIATES INS | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | METLIFE LEGAL PLANS | $26K | $13K | $39K | 15.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA FUND ADMINISTRATORS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 2300 STOCKTON, CA 95201 | $67K |
| SELLWOOD CONSULTING, LLC NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 6650 SW REDWOOD LANE, SUITE 370 PORTLAND, OR 97224 | $40K |
| BREDHOFF & KAISER, PLLC EIN 52-0969534 NONE | Legal; Direct payment from the plan Service code 29 | 805 15TH ST NW, 10TH FL WASHINGTON, DC 20005 | $21K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 7501 WISCONSIN AVENUE BETHESDA, MD 20814 | $20K |
| AMALGAMATED BANK NONE | Investment management fees paid indirectly by plan; Investment management fees paid directly by plan; Custodial (securities) Service code 19 | 275 7TH AVENUE NEW YORK, NY 10001 | $7K |
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 | 17,230 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 4,457 | $405K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 18,426 | $8.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 18,426 | $5.0M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $965K |
| Other | METLIFE LEGAL PLANS | 1,560 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,426 | — |
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.