| 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 | $525K | — | $525K | 3.72% |
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | CIGNA HEALTHCARE OF CALIFORNIA | $73K | — | $73K | 2.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $159K | $12K | $171K | 9.80% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 14.76% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $1K | $31K | 15.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | EYEMED VISION CARE | $3K | — | $3K | 3.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.13% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DR., STE. 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.56% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $945 | — | $945 | 0.99% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.49% |
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 | 1,075 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,043 | $17.2M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,043 | $14.5M |
| Vision | EYEMED VISION CARE | 1,452 | $101K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,075 | $2.0M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,075 | $1.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,075 | $1.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,043 | $14.1M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,075 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,043 | — |
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."
No prospect flags tripped on this filing.