| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $822K | — | $822K | 6.59% |
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | CIGNA HEALTHCARE OF CALIFORNIA | $127K | — | $127K | 4.84% |
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $159K | — | $159K | 9.97% |
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 14.39% |
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.00% |
| BRIAN YERVANT AKIAN3 | 503 SPRINGBROOK NORTH IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $619 | — | $619 | 2.25% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING INC. | 9538 WEST PICO BLVD. LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | — | $409 | 1.49% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI, HARTWICK & DICKINS INS. | 515 SOUTH FLOWER ST. LOS ANGELES, CA 90071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $307 | — | $307 | 1.12% |
| TERI ROLLIN3 | C/O TERI ROLLIN OAK PARK, CA 91377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | — | $296 | 1.08% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY III | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.31% |
| SDG INSURANCE SERVICES3 | 15130 VENTURA BOULEVARD SHERMAN OAKS, CA 91403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.17% |
| TIFFANIE MARIE UNDERWOOD3 | 4601 FELLA STREET SHELBY TOWNSHIP, MI 48316 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.08% |
| KENNETH D WONG3 Filed as: KENNETH D. WONG | P.O. BOX 11810 MARINA DEL REY, CA 90292 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| MIKE MCCORMICK3 | 348 S. STRONGS COURT SALT LAKE CITY, UT 84102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.07% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC. | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| BOB BLAKE & ASSOCIATES INC3 Filed as: BOB BLAKE & ASSOCIATES INC. | BOB BLAKE AND ASSOCIATES LONG BEACH, CA 90802 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| MICHAEL FREIDLIN3 | ATTN MIKE FREIDLIN SCRANTON, PA 18505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| CHARLOTTE MARTINEZ3 | 4424 COLDWATER CANYON STUDIO CITY, CA 91604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| MICHAEL C WALKER3 Filed as: MICHAEL J. MINNEY | P.O. BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 978 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,836 | $15.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,836 | $12.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,836 | $12.5M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 968 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 968 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 968 | $1.6M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,836 | $12.5M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 968 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,836 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.