| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY/ALERA INSURANCE AGENCY, LLC | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 5.60% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN INC | $394 | $0 | $394 | 0.60% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY AN ALERA INS. AGCY, LLC | UNKNOWN OXNARD, CA 93031 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 10.17% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY/ALERA INSURANCE AGENCY, LLC | PO BOX 5086 OXNARD, CA 93031 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $358 | $0 | $358 | 7.32% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY/ALERA INSURANCE AGENCY, LLC | 310 WEST ESPLANADE DRIVE OXNARD, CA 93036 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $146 | $0 | $146 | 2.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA INSURANCE AGENCY, LLC | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $627 | $85 | $712 | 16.68% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY AN ALERA INS. AGCY, LLC | UNKNOWN OXNARD, CA 93031 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $208 | $0 | $208 | 10.12% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 6 | $66K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 65 | $40K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 50 | $5K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $4K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 6 | $66K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.