| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MGT SVCS | 143 W 5TH STREET OXNARD, CA 930307105 | EYEMED VISION CARE | $2K | $0 | $2K | 15.00% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DR OXNARD, CA 93035 | AFLAC | $850 | $65 | $915 | 8.62% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $156 | $23 | $179 | 1.69% |
| SEAN E TURNER3 | 2104 RHONDA ST OXNARD, CA 93036 | AFLAC | $70 | $24 | $94 | 0.89% |
| BARBARA AMY PHILLIPS3 | 648 VIA CIELITO VENTURA, CA 93003 | AFLAC | $74 | $0 | $74 | 0.70% |
| MARILYN J GERMANN3 | 4754 COLONY DR CAMARILLO, CA 93012 | AFLAC | $41 | $17 | $58 | 0.55% |
| MICHAEL RUGGIERO3 Filed as: MICHAEL A RUGGIERO | 2525 VIA MANTILLA CAMARILLO, CA 93010 | AFLAC | $51 | $0 | $51 | 0.48% |
| JOSEPH RAY HARDIE3 | 6000 EVANS AVE SUITE 1-330 DENVER, CO 80222 | AFLAC | $45 | $0 | $45 | 0.42% |
| WAYNE E HAGLER3 | 2710 CEDAR WOOD PL THOUSAND OAKS, CA 91362 | AFLAC | $41 | $0 | $41 | 0.39% |
| MARIA C RUST3 | 2435 VENTURA BLVD SUITE A CAMARILLO, CA 93010 | AFLAC | $35 | $0 | $35 | 0.33% |
| KEITH A URENA3 | 255 MONTEBELLO AVE VENTURA, CA 93004 | AFLAC | $24 | $10 | $34 | 0.32% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES INC. | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $28 | $0 | $28 | 0.26% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS SVCS INC. | 3420 ORCUTT RD SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $28 | $0 | $28 | 0.26% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS SVCS INC. | 3420 ORCUTT RD SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $23 | $0 | $23 | 0.22% |
| JOSEPH RAY HARDIE3 | 1054 GATEWAY BLVD SUITE 107 BOYNTON BEACH, FL 33426 | AFLAC | $12 | $0 | $12 | 0.11% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 2112 EASTMAN AVE SUITE 112 VENTURA, CA 93003 | AFLAC | $8 | $0 | $8 | 0.08% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA STREET SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $5 | $0 | $5 | 0.05% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE | 3420 ORCUTT RD SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $5 | $0 | $5 | 0.05% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 9300 HARRIS CORNERS PKWY SUITE 100 CHARLOTTE, NC 28269 | AFLAC | $4 | $0 | $4 | 0.04% |
| HORACE R WEAVER III3 | 106 FOUNTAIN DR SLIDELL, LA 70458 | AFLAC | $3 | $0 | $3 | 0.03% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | $0 | $1 | 0.01% |
| THE INSURANCE GROUP3 | 143 W 5TH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $164 | $2K | 17.72% |
| THE INSURANCE GROUP3 | 143 W 5TH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | $43 | $459 | 19.40% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 135 | $11K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 120 | $22K |
| Short-term disability | AFLAC | 24 | $11K |
| Other(3 contracts, 2 carriers) | AFLAC | 120 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.