| 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 | — | $6K | $6K | 0.04% |
| GCG FINANCIAL LLC3 Filed as: BERKLEY, AN ALERA INS AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $188K | $17K | $206K | 8.88% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 9.35% |
| GCG FINANCIAL LLC3 Filed as: BERKLEY, AN ALERA INS AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 14.61% |
| GCG FINANCIAL LLC3 Filed as: BERKLEY, AN ALERA INS AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $1K | $29K | 15.75% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: BERKLEY INSURANCE & RISK MGMT SVCS | 143 W. FIFTH STREET OXNARD, CA 93030 | EYEMED VISION CARE | $2K | — | $2K | 1.48% |
| GCG FINANCIAL LLC3 Filed as: BERKLEY, AN ALERA INSURANCE AGENCY | 310 W. ESPLANADE DRIVE OXNARD, CA 93036 | EYEMED VISION CARE | $1K | — | $1K | 1.26% |
| GCG FINANCIAL LLC3 Filed as: BERKLEY, AN ALERA INSURANCE AGENCY | 300 W. ESPLANADE, SUITE B OXNARD, CA 93036 | EYEMED VISION CARE | $259 | — | $259 | 0.25% |
| GCG FINANCIAL LLC3 Filed as: BERKLEY, AN ALERA INS AGENCY | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.30% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DR., STE. 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.42% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $538 | — | $538 | 0.68% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.40% |
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 | 1,093 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,096 | 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 | 2,091 | $16.6M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,091 | $14.2M |
| Vision | EYEMED VISION CARE | 1,513 | $104K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $2.5M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $2.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $2.3M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,091 | $13.8M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,093 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,091 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.