| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INS. SERVICES, LLC | PO BOX 1388 VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $183K | — | $183K | 3.42% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INS. SERVICES, LLC | PO BOX 1099 SANTA MARIA, CA 93454 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $737 | $32K | 5.74% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $720 | $28K | 5.07% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WIKER INS. SERVICES, LLC | 1525 EAST MAIN STREET SANTA MARIA, CA 93454 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.17% |
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 | 2,818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,408 | $5.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,408 | $5.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,408 | $5.4M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,818 | $5.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,818 | $550K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,408 | $5.4M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,818 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,818 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.