| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 3.39% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | P.O. BOX 1388 VENTURA, CA 930021388 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES-CIGNA | $111K | — | $111K | 24.47% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | 196 S. FIR STREET P.O. BOX 1388 VENTURA, CA 930021388 | UNION SECURITY INSURANCE COMPANY | $11K | $66 | $11K | 5.51% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 10.86% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | P.O. BOX 1388 VENTURA, CA 930021388 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 9.98% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES,LLC | 196 S. FIR STREET P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | $4K | — | $4K | 3.91% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | 196 S FIR STREET P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 2.75% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | P.O. BOX 1388 VENTURA, CA 930021388 | CIGNA HEALTHCARE OF CALIFORNIA | $5K | — | $5K | 40.84% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | 196 S FIR STREET P.O. BOX 1388 VENTURA, CA 930021388 | HARTFORD LIFE AND ACCIDENT | $326 | — | $326 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 SERVICE PROVIDER | Other fees; Claims processing Service code 12 | — | $14K |
| TOLMAN & WIKER INS. SERVICES, LLC INSURANCE AGENTS/BROKERS | Non-monetary compensation; Other commissions; Insurance agents and brokers Service code 22 | P.O. BOX 1388 VENTURA, CA 930021388 | $9K |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 402 | $1.3M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 385 | $202K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 385 | $202K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 402 | $1.3M |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 385 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.