| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SVCS, LLC | 196 SOUTH FIR STREET VENTURA, CA 93002 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $370K | $5K | $376K | 4.49% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN & WIKER INSURANCE SERVICES | P.O. BOX 1388 VENTURA, CA 93002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $117 | $15K | 8.28% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $11K | 5.98% |
| PATRICK JOSEPH ANDERSON3 | 651 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 2.44% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $740 | $3K | 1.93% |
| GLYNDA C FRY-STEWART3 | 12060 84TH STREET LEXINGTON, OK 73051 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.64% |
| CHRISTINE A MILLER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $793 | — | $793 | 0.45% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $65 | $392 | 0.22% |
| DEL DOWNEY3 | 32056 MERLOT CRST TEMECULA, CA 92591 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | — | $382 | 0.22% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $11 | $315 | 0.18% |
| MAGNONE FINANCIAL SERVICES CORP3 | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.11% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R & B ENROLLMENT SERVICES, INC. | P.O. BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $2 | $178 | 0.10% |
| THE ESTATE OF HAMILTON JOHN CYRIL B3 | 2151 N. EUCLID AVENUE UPLAND, CA 91784 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | — | $116 | 0.07% |
| MARY-JOYCE LICATA3 Filed as: MARY J. YARNELL | 170 E. HAMILTON LANE BATTLE CREEK, MI 49015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $3 | $74 | 0.04% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.03% |
| CLARICE R MIMS3 | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.02% |
| CD FRAZIER ASSOCIATES INC3 Filed as: CD FRAZIER ASSOCIATES INC. | 8631 STONEFACE ROAD CHARLOTTE, NC 28214 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| TOHNIA FIELDS3 | 875 INGA ROAD NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.01% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITITZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $5 | $16 | 0.01% |
| MARIA VERONICA JARQUE3 | 4525 GEORGIA STREET SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 N. RAISINA AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 2611 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| SUSAN GOLD STOKES3 | 17042 PINEHURST LANE, #D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MIKE MCCORMICK3 Filed as: MIKE MCCORKMICK | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| ERIC BROGAN3 Filed as: ERIC SWANSON | 23522 VIA ALONDRA TRABUCO CANYON, CA 92679 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| GENA LYNN MOORE3 | 3717 ASHFORK LANE BAKERSFIELD, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2560 PROFESSIONAL PARKWAY SANTA MARIA, CA 93455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TOLMAN & WIKER3 Filed as: TOLMAN & WIKER INSURANCE | 196 S. FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $11K | $19K | 11.54% |
| TOLMAN & WIKER3 Filed as: TOLMAN & WIKER INSURANCE | 196 S. FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $5K | $10K | 10.96% |
| TWIW INSURANCE SERVICES, LLC3 Filed as: TWIW INSURANCE SERVICES LLC | 1525 E. MAIN STREET SANTA MARIA, CA 93454 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.60% |
| TWIW INSURANCE SERVICES, LLC3 Filed as: TWIW INSURANCE SERVICES LLC | 1525 E. MAIN STREET SANTA MARIA, CA 93454 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.67% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $164 | — | $164 | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E. ALAMAR SANTA BARBARA, CA 93105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 12.71% |
| THERESA GOMEZ3 | 9815 STEELHEAD ROAD PASO ROBLES, CA 93446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 7.29% |
| KAREN A WILSON3 Filed as: KAREN A. WILSON | PO BOX 886 TEMPLETON, CA 93465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.84% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INSURANCE SERVICES I | 3420 ORCUTT ROAD SANTA MARIA, CA 93455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| CORY R. CHALKER3 | 311 PUFFIN WAY TEMPLETON, CA 93465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.96% |
| MONICA G. MUNOZ3 | 195 RIVERBANK LANE PASO ROBLES, CA 93446 | CONTINENTAL AMERICAN INSURANCE COMPANY | $885 | — | $885 | 1.56% |
| TOLMAN & WIKER3 Filed as: TOLMAN & WIKER INSURANCE | 196 S. FIR STREET VENTURA, CA 93001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $837 | $706 | $2K | 9.22% |
| TWIW INSURANCE SERVICES, LLC3 Filed as: TWIW INSURANCE SERVICES LLC | 1525 E. MIAN STREET SANTA MARIA, CA 93454 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.78% |
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 | 788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,729 | $8.4M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,729 | $8.4M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,729 | $8.4M |
| Life insurance(4 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,729 | $8.6M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 794 | $249K |
| Prescription drug | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,729 | $8.4M |
| Other(7 contracts, 5 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,729 | $8.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,729 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.