| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKEWIRTH AND ASSOCIATES | 2575 VISTA DEL MAR DR STE 201 VENTURA, CA 930013920 | GUARDIAN | $172K | — | $172K | 15.74% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKEWIRTH AND ASSOCIATION | 2575 VISTA DEL MAR DR STE 201 VENTURA, CA 930013920 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $42K | $130K | 17.68% |
| FICKEWIRTH & ASSOCIATES3 Filed as: FICKEWIRTH AND ASSOCIATES | PO BOX 3617 VENTURA, CA 930063617 | VISION SERVICE PLAN | $26K | — | $26K | 10.01% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKEWIRTH AND ASSOCATION IN | 2575 VISTA DEL MAR DR STE 201 VENTURA, CA 930013920 | SAFEGUARD HEALTH PLANS INC A CALIFORNIA CORPORATION | $35K | $13K | $48K | 21.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| YBARRA & ASSOCIATES EIN 87-2683828 NONE | Accounting (including auditing) Service code 10 | 10370 COMMERCE CENTER DR STE 205 RANCHO CUCAMONGA, CA 91730 | $17K |
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 | 1,583 | 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) | 1,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,258 | $955K |
| Vision | VISION SERVICE PLAN | 1,286 | $260K |
| Life insurance | GUARDIAN | 1,463 | $1.1M |
| Short-term disability | GUARDIAN | 1,463 | $1.1M |
| Long-term disability | GUARDIAN | 1,463 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,463 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.