| 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. | $33K | — | $33K | 5.19% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC 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 | 3.17% |
| 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 | $640 | — | $640 | 2.10% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC P.O. BOX 1388 VENTURA, CA 930021388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 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 & WIKER3 | INSURANCE SERVICES, LLC P.O. BOX 1388 VENTURA, CA 93002 | EYEMED VISION CARE | $750 | — | $750 | 10.81% |
| TOLMAN & WIKER3 | INSURANCE SERVICES LLC P.O. BOX 1388 VENTURA, CA 930021388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $561 | — | $561 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDIS EIN 73-1640079 3RD PARTY ADMIN | Claims processing; Contract Administrator Service code 12 | — | $45K |
| TOLMAN & WIKER INS. SERVICES, LLC EIN 20-1135902 INS AGENT | Insurance agents and brokers Service code 22 | — | $22K |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 119 | $743K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $112K |
| Vision | EYEMED VISION CARE | 112 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $6K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.