| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | 143 WEST FIFTH STREET OXNARD, CA 93030 | BLUE CROSS OF CALIFORNIA | $27K | $0 | $27K | 3.24% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | 718 SOUTH A STREET OXNARD, CA 93030 | BLUE CROSS OF CALIFORNIA | $14K | $2K | $16K | 1.89% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INS. AND RISK MGMT. SVCS. | 143 WEST 5TH STREET OXNARD, CA 93030 | EYEMED | $1K | $0 | $1K | 10.73% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | 143 WEST FIFTH STREET OXNARD, CA 93030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $595 | $0 | $595 | 8.92% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $280 | $44 | $324 | 4.86% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $6 | $87 | 1.30% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $4 | $36 | 0.54% |
| PATRICK JOSEPH ANDERSON3 | 651 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.34% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $11 | $14 | 0.21% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.03% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | 143 WEST FIFTH STREET OXNARD, CA 93030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 8.62% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $26 | $116 | 5.81% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $3 | $29 | 1.45% |
| PATRICK JOSEPH ANDERSON3 | 651 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 1.15% |
| VINCENT GERARD MCLAUGHLIN3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $4 | $5 | 0.25% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.05% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 162 | $833K |
| Dental | BLUE CROSS OF CALIFORNIA | 162 | $833K |
| Vision | EYEMED | 127 | $14K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 162 | $833K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 13 | $9K |
| Other(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 162 | $842K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.