| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKEWIRTH & ASSOC INS SVS I | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | BLUE CROSS OF CALIFORNIA | $33K | — | $33K | 5.34% |
| FICKEWIRTH BENEFITS ADVISORS3 | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 6.92% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKERWIRTH AND ASSOCIATION | 2575 VISTA DEL MAR DRIVE SUITE 201 VENTURA, CA 93001 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.46% |
| AMWINS3 Filed as: LISI LLC DBA AMWIMS CONNECT INSURAN | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $343 | $5K | 5.36% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 70 | $860K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $90K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 82 | $17K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $90K |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 82 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.