| 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 | $83K | $83K | 5.27% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | HUMANA INSURANCE COMPANY | $8K | $0 | $8K | 9.94% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 10.00% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.57% |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $555 | $0 | $555 | 1.24% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $407 | $0 | $407 | 0.91% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $375 | $0 | $375 | 0.84% |
| MJ INSURANCE3 Filed as: JOHN A. BRADLEY AND VARIOUS AGENTS | 207 SOUTH MAIN STREET FOUNTAN INN, SC 29644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $0 | $175 | 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 | $132 | $0 | $132 | 0.29% |
| NANCY MILLER INS & FINANCIAL3 Filed as: NANCY MILLER INS AND FINANCIAL | 1000 PASEO CAMARILLO CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $90 | $0 | $90 | 0.20% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | VISION SERVICE PLAN | $989 | $0 | $989 | 5.92% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | PO BOX 1388 VENTURA, CA 93002 | HUMANADENTAL INSURANCE COMPANY | $814 | $0 | $814 | 9.95% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 230 | $1.6M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 98 | $84K |
| Vision | VISION SERVICE PLAN | 98 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $58K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $58K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 230 | $1.6M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 153 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.