| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $46K | $1K | $47K | 5.44% |
| 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 | $52 | $0 | $52 | 0.01% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $8K | $23K | 7.60% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 611 BUENA VISTA STREET VENTURA, CA 93001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.78% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $221 | $0 | $221 | 0.59% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.45% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI AND ASSOCIATES | 3400 WEST MINERAL KING AVENUE SUITE B VISALIA, CA 93291 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.66% |
| ERNESTO T GONZALEZ3 Filed as: ERNESTO GONZALEZ INSURANCE SERVICES | 22720 CANYON VIEW DRIVE CORONA, CA 92883 | TRANSAMERICA LIFE INSURANCE COMPANY | $689 | $0 | $689 | 7.79% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITSSPECIALISTS LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 223 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 223 | $908K |
| Vision | BLUE CROSS OF CALIFORNIA | 223 | $870K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 223 | $870K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 223 | $870K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 223 | $870K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 43 | $303K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 223 | $917K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.