| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | HCC LIFE INSURANCE COMPANY | $28K | — | $28K | 10.19% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS, JR. | 580 BROADWAY, SUITE 213 LAGUNA BEACH, CA 92651 | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 4.81% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 12.63% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| THE INSURANCE GROUP3 | 143 WEST 5TH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | VISION SERVICE PLAN | $2K | — | $2K | 3.19% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | VISION SERVICE PLAN | $184 | — | $184 | 0.37% |
| ED MCCLEMENTS3 | 26212 DIMENSION DR., SUITE 250 LAKE FOREST, CA 92630 | VISION SERVICE PLAN | $92 | — | $92 | 0.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.56% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | — | $602 | 2.44% |
| THE INSURANCE GROUP3 | 143 WEST 5TH STREET OXNARD, CA 93030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.35% |
| JAMES E. MCCLEMENTS, JR.3 Filed as: JAMES EDWARD MCCLEMENTS | 2835 ZELL DRIVE LAGUNA BEACH, CA 92651 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.05% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 11.47% |
| THE INSURANCE GROUP3 | 143 WEST 5TH STREET OXNARD, CA 93030 | EMPATHIA PACIFIC, INC. | $277 | — | $277 | 5.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MANAGEMENT | 143 WEST 5TH STREET OXNARD, CA 93030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $640 | — | $640 | 12.54% |
| JAMES E. MCCLEMENTS, JR.3 | 580 BROADWAY STREET, SUITE 213 LAGUNA BEACH, CA 92651 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $126 | — | $126 | 2.47% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 222 | $278K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $17K |
| Vision | VISION SERVICE PLAN | 244 | $50K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 213 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 37 | $25K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 222 | $278K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 272 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.