| 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. | $30K | — | $30K | 5.85% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LL. P.O. BOX 1388 VENTURA, CA 930021388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC 196 SOUTH FIR STREET VENTURA, CA 93001 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $1K | — | $1K | 3.13% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | 196 SOUTH FIR ST P.O. BOX 1388 VENTURA, CA 930021388 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $666 | — | $666 | 2.06% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC P.O. BOX 1388 VENTURA, CA 930021388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC P.O. BOX 1388 VENTURA, CA 930021388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INS. SERVICES, LLC | P.O. BOX 1388 VENTURA, CA 93002 | EYEMED VISION CARE | $565 | — | $565 | 8.97% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC P.O. BOX 1388 VENTURA, CA 930021388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $546 | — | $546 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BEN-E-LECT EIN 77-0106517 THIRD PARTY ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $27K |
| TOLMAN & WIKER INS. SERVICES, LLC EIN 20-1135902 INSURANCE AGENTS & BROKER | Insurance agents and brokers Service code 22 | — | $19K |
| EDIS EIN 73-1640079 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $12K |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 109 | $607K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $109K |
| Vision | EYEMED VISION CARE | 114 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $5K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.