| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMS AND ASSOCIATES INS. BROKERS3 | 4500 PARK GRANADA, SUITE 206 CALABASAS, CA 91302 | CALIFORNIA PHYSICIANS' SERVICE | $2K | $96K | $98K | 4.70% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91357 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 9.90% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91357 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 12.49% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $600 | $0 | $600 | 0.88% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CO 92009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 3.26% |
| MAGNONE FINANCIAL SERVICES CORP3 Filed as: MAGNONE FINANCIAL SERVICES CORP. | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $648 | $0 | $648 | 1.96% |
| KRISTIN LEASE3 | 3890 HOWARD AVENUE LOS ALAMITOS, CA 90720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | $316 | $484 | 1.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS AND OTHER AGENTS | 1873 SOUTH BELLAIRE STREET SUITE 600 DENVER, CO 80222 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $408 | $0 | $408 | 1.24% |
| ANDREA MARIE TIERCE3 Filed as: ANDREA MARIE TIERVE | 926 WEST GLENEAGLES DRIVE PLACERVILLE, CA 95667 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $51 | $366 | 1.11% |
| ASSUREDPARTNERS3 | UNKNOWN VENTURA, CA 93002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $0 | $173 | 0.52% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE WOODLAND HILLS, CO 91357 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.51% |
| POMS AND ASSOCIATES INS. BROKERS3 | 5700 CANOGA AVENUE, SUITE 400 WOODLAND HILLS, CA 91357 | HUMANADENTAL INSURANCE COMPANY | $917 | $0 | $917 | 10.04% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 259 | $2.1M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 130 | $103K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 259 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $68K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $68K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 259 | $2.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.