| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $58K | $0 | $58K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 6967 RIVER GATE DRIVE, SUITE 200 SALT LAKE CITY, UT 84047 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $27K | $8K | $35K | 1.54% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | REGENCE BLUECROSS BLUESHIELD OF UTAH | $28K | $0 | $28K | 1.24% |
| ASSUREDPARTNERS3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | ALLIED ADMINISTRATORS | $16K | $0 | $16K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 6340 SOUTH 3000, SUITE 500 SALT LAKE CITY, UT 84121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.22% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $789 | $789 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 6340 SOUTH 3000, SUITE 500 SALT LAKE CITY, UT 84121 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $1K | $0 | $1K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DRIVE SUITE 200 SALT LAKE CITY, UT 84047 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 23.95% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 EAST DOUBLETREE RANCH ROAD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $744 | $0 | $744 | 6.42% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | TRANSAMERICA LIFE INSURANCE COMPANY | $279 | $0 | $279 | 2.41% |
| ERNESTO T GONZALEZ3 Filed as: ERNESTO GONZALEZ INSURANCE SERVICES | 22720 CANYON VIEW DRIVE CORONA, CA 92883 | TRANSAMERICA LIFE INSURANCE COMPANY | $167 | $0 | $167 | 1.44% |
| ARIS GROUP LLC3 Filed as: ARIS GROUP, LLC | 7862 KINGLAND DRIVE WESTCHESTER, OH 45069 | TRANSAMERICA LIFE INSURANCE COMPANY | $112 | $0 | $112 | 0.97% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF UTAH | 364 | $2.3M |
| Dental | ALLIED ADMINISTRATORS | 363 | $160K |
| Vision | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 370 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $137K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $137K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.