| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GRAOUP3 | UNKNOWN OXNARD, CA 93036 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $0 | $5K | 6.67% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $0 | $3K | 4.16% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DRIVE OXNARD, CA 93035 | AFLAC | $1K | $61 | $2K | 10.62% |
| ISABEL KNEIZEH3 | 2817 KEATS AVENUE THOUSAND OAKS, CA 91360 | AFLAC | $924 | $56 | $980 | 6.85% |
| MICHAEL RUGGIERO3 Filed as: MICHAEL A. RUGGIERO | 2525 VIA MANTILLA CAMARILLO, CA 93010 | AFLAC | $345 | $12 | $357 | 2.50% |
| MJ INSURANCE3 Filed as: BARBARA PHILLIPS AND VARIOUS AGENTS | 648 VIA CIELITO VENTURA, CA 93003 | AFLAC | $309 | $25 | $334 | 2.33% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 300 EAST ESPLANADE DRIVE SUITE 1220 OXNARD, CA 93036 | AFLAC | $289 | $0 | $289 | 2.02% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $255 | $12 | $267 | 1.87% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $92 | $0 | $92 | 0.64% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST FIFTH STREET OXNARD, CA 93030 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 13.47% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $72 | $1K | 14.56% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 198 | $76K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 156 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $10K |
| Short-term disability | AFLAC | 21 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 128 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.