| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1300 DOVE STREET, SUITE 300 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $106K | $0 | $106K | 2.73% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | BLUE CROSS OF CALIFORNIA | $0 | $52K | $52K | 1.34% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | BLUE CROSS OF CALIFORNIA | $0 | $5K | $5K | 0.13% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.06% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 3.81% |
| ASSUREDPARTNERS3 | 5001 CALIFORNIA AVENUE, SUITE 150 BAKERSFIELD, CA 93309 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 19.14% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $185 | $0 | $185 | 4.06% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INSURANCE SERVICES | UNKNOWN VENTURA, CA 93003 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $117 | $0 | $117 | 2.56% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 543 | $3.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 543 | $3.9M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 269 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $295K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $280K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $295K |
| Prescription drug(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 12 | $15K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.