| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSURANCE GROUP DBA BARKELY INS. | 143 W 5TH STREET OXNARD, CA 930307105 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $0 | $1K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 2158 RIVERSIDE, CA 925162158 | KAISER FOUNDATION HEALTH PLAN INC. | $840 | $54 | $894 | 2.30% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MGT. | 143 W. FIFTH STREET OXNARD, CA 93030 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | 143 W. 5TH STREET OXNARD, CA 93030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $317 | $0 | $317 | 10.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BARKLEY INSURANCE & RISK MGT. SVCS | 143 W FIFTH STREET OXNARD, CA 93030 | EYEMED VISION CARE | $109 | $0 | $109 | 8.44% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 10 | $39K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 43 | $12K |
| Vision | EYEMED VISION CARE | 40 | $1K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $3K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.