| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFLEX INSURANCE SERVICES LLC3 | 101 WANAPAMU STREET 3RD FLOOR SANTA BARBARA, CA 93101 | BLUE CROSS OF CALIFORNIA | $95K | $0 | $95K | 5.24% |
| BENEFLEX INSURANCE SERVICES LLC3 Filed as: BENEFLEX INSURANCE SERVICES, LLC | UNKNOWN SANTA BARBARA, CA 93105 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| BENEFLEX INSURANCE SERVICES LLC3 | 101 WEST ANAPAMU STREET 3RD FLOOR SANTA BARBARA, CA 93101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.47% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INS. SERVICES LLC | PO BOX 1388 VENTURA, CA 93002 | HARTFORD LIFE AND ACCIDENT | $122 | $0 | $122 | 15.02% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 134 | $1.8M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 105 | $114K |
| Vision | BLUE CROSS OF CALIFORNIA | 134 | $1.8M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 134 | $1.8M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 134 | $1.8M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 134 | $1.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 165 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.