| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS. SVCS., LLC | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | BLUE CROSS OF CALIFORNIA | $28K | $0 | $28K | 4.40% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.47% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $3K | $0 | $3K | 0.46% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITS SPECIALISTS, LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 28.88% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | TRANSAMERICA LIFE INSURANCE COMPANY | $99 | $0 | $99 | 0.27% |
| CHIMIENTI & ASSOCIATES3 | 3400 WEST MINERAL KING AVENUE SUITE B VISALIA, CA 93291 | TRANSAMERICA LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.17% |
| ERNESTO GONZALEZ INS. SVCS., CORP.3 | 700 EAST OCEAN BOULEVARD SUITE 1201 LONG BEACH, CA 90802 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.11% |
| BENEFITS ALLIANCE INS SVCS LLC3 Filed as: BENEFITS ALLIANCE INS. SVCS., LLC | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $478 | $2K | 15.07% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 611 BUENA VISTA STREET VENTURA, CA 93001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $565 | $0 | $565 | 5.25% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 0.32% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 188 | $626K |
| Dental | BLUE CROSS OF CALIFORNIA | 188 | $626K |
| Vision | BLUE CROSS OF CALIFORNIA | 188 | $626K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 188 | $626K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 188 | $626K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 188 | $626K |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 188 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.