| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 93002 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $78K | — | $78K | 5.21% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | — | $46K | 4.98% |
| LYNN G. BARANCIK3 | 8930 RANGELY AVE. WEST HOLLYWOOD, CA 90048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| GRANT D. FRASER3 | 8383 WILSHIRE BLVD #600 BEVERLY HILLS, CA 902112425 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $671 | $671 | 2.00% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASS MUTUAL LIFE INS CO | 1295 STATE STREET MIP WO66 SPRINGFIELD, MA 011110001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $335 | $335 | 1.00% |
| TWIW INSURANCE SERVICES, LLC3 | P.O. BOX 1388 VENTURA, CA 930021388 | VISION SERVICE PLAN | $1K | — | $1K | 4.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOLMAN & WIKER INS SERVICES, LLC INSURANCE SERVICES | Non-monetary compensation; Insurance agents and brokers; Other commissions Service code 22 | 196 S. FIR STREET VENTURA, CA 93002 | $16K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 SERVICE PROVIDER | Claims processing; Other fees Service code 12 | — | $14K |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 180 | $3.0M |
| Vision | VISION SERVICE PLAN | 260 | $26K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 110 | $1.5M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 256 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.