| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $890 | $41K | 7.00% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 4.72% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 5.46% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $890 | $890 | 5.29% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $795 | — | $795 | 7.01% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | — | $340 | 3.00% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 28.49% |
| DOCHTERMAN INSURANCE SERVICES, INC.3 Filed as: DOCHTERMAN INSURANCE | 908 S VILLAGE OAKS COVINA, CA 91724 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 0.55% |
| VERUS INSURANCE SERVICES, LLC3 Filed as: VERUS INSURANCE SERVICES LLC | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.27% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | — | $587 | 7.50% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $196 | — | $196 | 2.50% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $169 | — | $169 | 7.38% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60 | — | $60 | 2.62% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $581K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $112K |
| Vision | VISION SERVICE PLAN | 109 | $16K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $11K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.