| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS CAPITAL | UNKNOWN FRESNO, CA 93726 | CALIFORNIA CHOICE | $25K | $0 | $25K | 3.74% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO. INS. BROKERS INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | CALIFORNIA CHOICE | $8K | $0 | $8K | 1.26% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.54% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO. INS. BROKERS INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.85% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1099 SANTA MARIA, CA 93454 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $288 | $288 | 0.37% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 11.25% |
| TWIW INSURANCE SERVICES, LLC | PO BOX 1388 VENTURA, CA 93002 | VISION SERVICE PLAN | $917 | $0 | $917 | 4.66% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY CO. INS. BROKERS INC. | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | $178 | $0 | $178 | 0.90% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 92 | $663K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $78K |
| Vision | VISION SERVICE PLAN | 97 | $20K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $106K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $28K |
| Prescription drug | CALIFORNIA CHOICE | 92 | $663K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.