| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 310 WEST ESPLANADE DRIVE OXNARD, CA 93036 | CALIFORNIA PHYSICIANS SERVICE | $0 | $42K | $42K | 5.77% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | PO BOX 5086 OXNARD, CA 93031 | CALIFORNIA PHYSICIANS SERVICE | — | $7K | $7K | 0.92% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INS. AND RISK MANAGEMENT | PO BOX 5086 OXNARD, CA 93031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.43% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 300 WEST ESPLANADE DRIVE SUITE B OXNARD, CA 93036 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $947 | $6K | 6.33% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $474 | $474 | 0.49% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.73% |
| MCCAREY INC3 | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $118 | $1K | 2.84% |
| MAGAREINS INC3 | PO BOX18224 TAMPA, FL 33679 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $502 | $0 | $502 | 1.02% |
| MJ INSURANCE3 Filed as: MARIA RODIGHIERO AND VARIOUS AGENTS | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $352 | $3 | $355 | 0.72% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $306 | $43 | $349 | 0.71% |
| PAT WILLIAMS INSURANCE CONSULTANTS3 Filed as: PAT WILLIAMS INS. CONSULTANTS INC | 18201 GULF BOULEVARD REDINGTON SHORES, FL 33708 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $185 | $0 | $185 | 0.38% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $155 | $2 | $157 | 0.32% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 310 WEST ESPLANADE DRIVE OXNARD, CA 93036 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 12.44% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 143 WEST 5TH STREET OXNARD, CA 93030 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $378 | $0 | $378 | 2.61% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 300 WEST ESPLANADE DRIVE, SUITE B OXNARD, CA 93036 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $179 | $0 | $179 | 1.23% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 117 | $722K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $98K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 136 | $14K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $147K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $147K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $98K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 117 | $722K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.