| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: THE INSURANCE GROUP DBA BARKLEY INS | 143 W FIFTH STREET OXNARD, CA 930307105 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 4.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC. | 2301 ROSECRANS AVE SUITE 4130 EL SEGUNDO, CA 902454966 | HUMANA INSURANCE COMPANY | $551 | $0 | $551 | 1.29% |
| INSGROUP INC3 Filed as: THE INSURANCE GROUP DBA BARKLEY INS | 143 N FIFTH AVE OXNARD, CA 93030 | CALIFORNIA DENTAL NETWORK, INC. | $3K | $0 | $3K | 8.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 18201 VON KARMAN AVE #1020 IRVINE, CA 92612 | CALIFORNIA DENTAL NETWORK, INC. | $2K | $0 | $2K | 6.26% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 264 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.