| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | UNKNOWN OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 5.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $0 | $2K | 3.32% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 13.71% |
| 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. | $169 | $0 | $169 | 1.27% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DRIVE OXNARD, CA 93035 | AFLAC | $886 | $60 | $946 | 8.16% |
| MJ INSURANCE3 Filed as: JACOB BURNS INC & VARIOUS AGENTS | 2905 MAGNOLIA AVENUE LONG BEACH, CA 90806 | AFLAC | $179 | $0 | $179 | 1.54% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $109 | $8 | $117 | 1.01% |
| ISABEL KNEIZEH3 | 2817 KEATS AVENUE THOUSAND OAKS, CA 91360 | AFLAC | $61 | $0 | $61 | 0.53% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $44 | $0 | $44 | 0.38% |
| BARBARA AMY PHILLIPS3 | 340 TELOMA DRIVE VENTURA, CA 93003 | AFLAC | $41 | $0 | $41 | 0.35% |
| MICHAEL RUGGIERO3 Filed as: MICHAEL A RUGGIERO | 2525 VIA MANTILLA CAMARILLO, CA 93010 | AFLAC | $37 | $0 | $37 | 0.32% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. DBA BARKLEY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $144 | $2K | 14.89% |
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 | 120 | 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) | 120 | 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. | 149 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $12K |
| Short-term disability | AFLAC | 18 | $12K |
| Other(2 contracts, 2 carriers) | AFLAC | 120 | $23K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.