| 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 | $612 | $89K | $90K | 5.26% |
| POMS AND ASSOCIATES INS. BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | CALIFORNIA PHYSICIANS' SERVICE | $507 | $0 | $507 | 0.03% |
| ASSUREDPARTNERS3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | CALIFORNIA PHYSICIANS' SERVICE | $375 | $0 | $375 | 0.02% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 6.53% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS LLC | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 3.42% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INSURANCE SVCS LLC | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.50% |
| MCCAREY INC3 | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $43 | $1K | 3.59% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $722 | $4 | $726 | 1.80% |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $657 | $0 | $657 | 1.63% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $374 | $29 | $403 | 1.00% |
| NANCY MILLER INSURANCE & FINAN3 Filed as: NANCY MILLER INS & OTHER ASSOCIATES | 1000 PASEP CAMARILLO CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $229 | $0 | $229 | 0.57% |
| DUANE A ADAMS Filed as: DUANE ANDREW FRY | 3707 ANITA AVENUE PASADENA, CA 91107 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $151 | $22 | $173 | 0.43% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES INC | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $0 | $131 | 0.32% |
| ASSUREDPARTNERS3 | PO BOX 1388 VENTURA, CA 93002 | HUMANADENTAL INSURANCE COMPANY | $667 | $0 | $667 | 6.77% |
| POMS AND ASSOCIATES INS. BROKERS3 Filed as: POMS & ASSOCIATES INS BROKERS LLC | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | HUMANADENTAL INSURANCE COMPANY | $310 | $0 | $310 | 3.15% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 261 | $1.7M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 118 | $84K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 261 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $49K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 261 | $1.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.