| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 10.01% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $103 | $2K | 14.57% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DRIVE OXNARD, CA 93035 | AFLAC | $914 | $50 | $964 | 8.03% |
| MJ INSURANCE3 Filed as: JACOB BURNS INC AND VARIOUS AGENTS | 2905 MAGNOLIA AVENUE LONG BEACH, CA 90806 | AFLAC | $292 | $0 | $292 | 2.43% |
| MICHAEL RUGGIERO3 Filed as: MICHAEL A. RUGGIERO | 2525 VIA MANTILLA CAMARILLO, CA 93010 | AFLAC | $140 | $12 | $152 | 1.27% |
| ISABEL KNEIZEH3 | 2817 KEATS AVENUE THOUSAND OAKS, CA 91360 | AFLAC | $100 | $44 | $144 | 1.20% |
| DE VITA B MCKENZIE3 Filed as: DE VITA B. MCKENZIE | 1139 RIOLO STREET LOS ANGELES, CA 90006 | AFLAC | $118 | $22 | $140 | 1.17% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $104 | $10 | $114 | 0.95% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $81 | $0 | $81 | 0.67% |
| 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 | 14.89% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MNGMT SVCS | 143 WEST FIFTH STREET OXNARD, CA 93030 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $328 | $0 | $328 | 2.96% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 143 WEST 5TH TREET OXNARD, CA 93030 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $158 | $0 | $158 | 1.42% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 172 | $71K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 128 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $14K |
| Short-term disability | AFLAC | 16 | $12K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.