| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | CALIFORNIA PHYSICIANS SERVICE | $0 | $66K | $66K | 5.27% |
| GCG FINANCIAL LLC3 Filed as: DICKERSON EMP. BENEFITS INS. SVC. | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CALIFORNIA PHYSICIANS SERVICE | $0 | $2K | $2K | 0.16% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | HUMANA INSURANCE COMPANY | $6K | $1K | $7K | 12.46% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $642 | $4K | 6.93% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | UNKOWN VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $78 | $2K | 4.25% |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.70% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $774 | $223 | $997 | 1.80% |
| MJ INSURANCE3 Filed as: JOHN A. BRADLEY AND VARIOUS AGENTS | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.39% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R AND B ENROLLMENT SERVICES, INC. | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.27% |
| NANCY MILLER INSURANCE & FINAN3 Filed as: NANCY MILLER INSURANCE & FINANCIAL | 1000 PASEO CAMARILLO CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.21% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 13.88% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | VISION SERVICE PLAN | $922 | $0 | $922 | 6.56% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | HUMANADENTAL INSURANCE COMPANY | $760 | $493 | $1K | 16.50% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 240 | $1.3M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 82 | $65K |
| Vision | VISION SERVICE PLAN | 104 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $40K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 240 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 147 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.