| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL AND INS SVCS | 4601 WILSHIRE BOULEVARD, SUITE 212 LOS ANGELES, CA 90010 | BLUE CROSS OF CALIFORNIA | $53K | $0 | $53K | 2.93% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $33K | $33K | 1.82% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INS SERVICES, LLC | 196 SOUTH FIR STREET VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $21K | $0 | $21K | 1.16% |
| FREDERICK W. HOWARTH III3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $82K | $0 | $82K | 9.52% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL AND INS SVCS | 4601 WILSHIRE BOULEVARD, SUITE 212 LOS ANGELES, CA 90010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 3.41% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL AND INS SVCS | 4601 WILSHIRE BOULEVARD, SUITE 212 LOS ANGELES, CA 90010 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.98% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | STARMOUNT LIFE INSURANCE COMPANY | -$103 | $0 | -$103 | -0.06% |
| ASSUREDPARTNERS3 | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $180 | $0 | $180 | 0.48% |
| WILSHIRE FINANCIAL & INSURANCE SERV3 Filed as: WILSHIRE FINANCIAL AND INS SVCS | 4601 WILSHIRE BOULEVARD LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY | $852 | $0 | $852 | 7.49% |
| ASSUREDPARTNERS3 | 196 SOUTH FIR STREET VENTURA, CA 93002 | AETNA LIFE INSURANCE COMPANY | $273 | $0 | $273 | 2.40% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 168 | $2.5M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 162 | $198K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 168 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $877K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $860K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 168 | $2.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $860K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.