| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 3.39% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 930021388 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES-CIGNA | $120K | — | $120K | 24.37% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC 196 S. FIR STREET VENTURA, CA 93001 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 4.81% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK, INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $19 | $16K | 9.98% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 930021388 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.97% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC 196 SOUTH FIR STREET VENTURA, CA 93001 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 2.95% |
| 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 | 5.27% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 930021388 | CIGNA HEALTHCARE OF CALIFORNIA | $4K | — | $4K | 25.32% |
| TOLMAN & WIKER3 | INSURANCE SERVICES 196 S FIR STREET VENTURA, CA 93002 | PETERSEN INTERNATIONAL UNDERWRITERS | $980 | — | $980 | 19.37% |
| TOLMAN & WIKER3 | INSURANCE SERVICES, LLC 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 CONTRACT ADMINISTRATOR | Other fees; Claims processing Service code 12 | — | $14K |
| TOLMAN & WIKER INS. SERVICES, LLC INSURANCE AGENTS/BROKERS | 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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 390 | $1.3M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 252 | $251K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 252 | $251K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 390 | $1.3M |
| Other(4 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 252 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.