| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | P.O. BOX 5086 OXNARD, CA 93031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $620K | — | $620K | 4.71% |
| THE INSURANCE GROUP3 | 143 W. FIFTH STREET OXNARD, CA 93030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69 | — | $69 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTHCARE OF CALIFORNIA | $70K | — | $70K | 3.52% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | P.O. BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $22K | $175K | 9.18% |
| QUINNEMANUELURQ3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 8.65% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | P.O. BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 15.48% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | P.O. BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $23K | 16.21% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | 310 W. ESPLANADE DRIVE OXNARD, CA 93036 | EYEMED VISION CARE | $4K | — | $4K | 3.24% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | P.O. BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.03% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.34% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $469 | — | $469 | 0.55% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.17% |
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 | 1,164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,171 | 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 | 2,198 | $15.5M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,198 | $13.5M |
| Vision | EYEMED VISION CARE | 1,625 | $109K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,164 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,164 | $1.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,164 | $1.9M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,198 | $13.2M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,164 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,198 | — |
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.