| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SVCS. LLC | 196 SOUTH FIR STREET PO BOX 1388 VENTURA, CA 930021388 | AETNA LIFE INSURANCE CO. | $59K | $26 | $59K | 3.74% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $19K | $0 | $19K | 1.22% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SVCS., LLC | PO BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC. | $39K | $0 | $39K | 3.29% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS. SERVICES, LLC | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 913677444 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | $0 | $25K | 2.07% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES LLC | 196 SOUTH FIR STREET PO BOX 1388 VENTURA, CA 930021388 | AETNA HEALTH, INC. | $25K | $0 | $25K | 3.73% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE SERVICES 5500 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC. | $8K | $0 | $8K | 1.24% |
| TWIW INSURANCE SERVICES, LLC3 | PO BOX 1388 VENTURA, CA 930021388 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.82% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS. SERVICES, LLC | DBA MONTAGE INSURANCE 5550 TOPANGA CANYON BLVD., STE. 310 WOODLAND HILLS, CA 913676406 | VISION SERVICE PLAN | $214 | $0 | $214 | 0.78% |
| LYNN G. BARANCIK3 Filed as: LYNN G BARAMCIK | 8930 RANGELY AVE WEST HOLLYWOOD, CA 90048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| GRANT D. FRASER3 Filed as: GRANT D FRASER | 8383 WILSHIRE BLVD #600 BEVERLY HILLS, CA 90211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $489 | $489 | 2.00% |
| MASS MUTUAL FINANCIAL GROUP3 Filed as: MASS MUTUAL LIFE INS. CO. | 1295 STATE ST MIP W066 SPRINGFIELD, MA 011110001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $244 | $244 | 1.00% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | PO BOX 1388 VENTURA, CA 93002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $24 | $2K | 12.31% |
| DANONE SIMPSON INSURANCE SERVICES3 | 5550 TOPANGA CANYON BLVD. SUITE 310 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $381 | $0 | $381 | 2.87% |
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 | 269 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 268 | $3.5M |
| Vision | VISION SERVICE PLAN | 267 | $27K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 268 | $1.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $24K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 268 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.