| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 5.55% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 10.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 7272 EAST INDIAN SCHOOL ROAD SUITE 415 SCOTTSDALE, AZ 85251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $15 | $9K | 19.75% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WILKER INS. SVCS., LLC | 196 SOUTH FIR STREET VENTURA, CA 93001 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 9.99% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | VISION SERVICE PLAN | $360 | — | $360 | 10.00% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 176 | $963K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 139 | $80K |
| Vision | VISION SERVICE PLAN | 22 | $4K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $44K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 176 | $963K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.