| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | BLUE CROSS OF CALIFORNIA | $54K | $0 | $54K | 6.86% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | BLUE CROSS OF CALIFORNIA | $0 | $961 | $961 | 0.12% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 4.88% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 611 BUENA VISTA STREET VENTURA, CA 93001 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 18.05% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84 | $0 | $84 | 0.29% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.14% |
| ERNESTO T GONZALEZ3 Filed as: ERNESTO GONZALEZ INSURANCE SERVICES | 22720 CANYON VIEW DRIVE CORONA, CA 92883 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.50% |
| ADVANTAGE GROUP OHIO LLC3 | 7862 KINGLAND DRIVE WESTCHESTER, OH 45069 | TRANSAMERICA LIFE INSURANCE COMPANY | $711 | $0 | $711 | 6.31% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI AND ASSOCIATES | 3400 WEST MINERAL KING AVENUE SUITE B VISALIA, CA 93291 | TRANSAMERICA LIFE INSURANCE COMPANY | $215 | $0 | $215 | 1.91% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITSPECIALISTS LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.31% |
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 | 220 | $1.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 220 | $810K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 220 | $810K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 220 | $781K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 220 | $781K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 220 | $781K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 57 | $275K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 220 | $821K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.