| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M FICKEWIRTH & ASSOC INS SVS3 Filed as: JOHN M FICKERWIRTH & ASSOC INS SVS | 60 SOUTH CALIFORNIA 4TH FLOOR STREET VENTURA, CA 93001 | ANTHEM BLUE CROSS | $20K | — | $20K | 4.73% |
| FICKEWIRTH BENEFITS ADVISORS3 | 60 SOUTH CALIFORNIA STREET FLOOR 4 VENTURA, CA 93001 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 4.51% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKERWIRTH AND ASSOCIATION | 60 SOUTH CALIFORNIA STREET SUITE 401 VENTURA, CA 93001 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 8.49% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES INC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.59% |
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 | 83 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 104 | $690K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $76K |
| Life insurance | ANTHEM BLUE CROSS | 104 | $424K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $76K |
| Other | ANTHEM BLUE CROSS | 104 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.