| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 9.96% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DRIVE OXNARD, CA 93035 | AFLAC | $1K | $21 | $1K | 9.77% |
| ISABEL KNEIZEH3 | 2817 KEATS AVENUE THOUSAND OAKS, CA 91360 | AFLAC | $651 | $0 | $651 | 5.09% |
| DOYLE SAN NICOLAS AND OTHER AGENTS3 | 10630 NORTH BANK DRIVE VENTURA, CA 93003 | AFLAC | $405 | $4 | $409 | 3.20% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 11637 GORHAM AVENUE, APARTMENT 106 LOS ANGELES, CA 90049 | AFLAC | $246 | $0 | $246 | 1.92% |
| MICHAEL RUGGIERO3 Filed as: MICHAEL A. RUGGIERO | 2525 VIA MANTILLA CAMARILLO, CA 93010 | AFLAC | $227 | $4 | $231 | 1.81% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $195 | $0 | $195 | 1.53% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $119 | $0 | $119 | 0.93% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | EYEMED | $2K | $0 | $2K | 13.92% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $98 | $2K | 16.04% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 213 | $76K |
| Vision | EYEMED | 127 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $11K |
| Short-term disability | AFLAC | 27 | $13K |
| Other(2 contracts, 2 carriers) | AFLAC | 121 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.