| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | 143 W FIFTH STREET OXNARD, CA 93030 | BLUE CROSS OF CALIFORNIA | $48K | $0 | $48K | 4.39% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $23K | $23K | 2.14% |
| INSGROUP INC3 Filed as: INSURANCE GROUP DBA BARKLEY INS. | 143 W 5TH STREET OXNARD, CA 930307105 | KAISER FOUNDATION HEALTH PLAN INC. | $28K | $3K | $32K | 5.61% |
| INSGROUP INC3 Filed as: THE INSURANCE GROUP DBA BARKLEY INS | 143 W 5TH STREET OXNARD, CA 93030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $0 | $34K | 69.50% |
| INSGROUP INC3 Filed as: THE INSURANCE GROUP DBA BARKLEY INS | 143 W 5TH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 71.18% |
| THE INSURANCE GROUP3 | 143 W 5TH STREET OXNARD, CA 93030 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 6.18% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS. | 32110 AGOURA BLVD. WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $604 | $604 | 2.14% |
| INSGROUP INC3 Filed as: THE INSURANCE GROUP DBA BARKLEY INS | 143 W 5TH STREET OXNARD, CA 93030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $428 | $4K | 16.87% |
| THE INSURANCE GROUP3 | 143 W 5TH STREET OXNARD, CA 93030 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS. | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM LIFE INSURANCE COMPANY | $0 | $215 | $215 | 2.14% |
| INSGROUP INC3 Filed as: THE INSURANCE GROUP DBA BARKLEY INS | 143 W 5TH STREET OXNARD, CA 930307105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $241 | $18 | $259 | 10.71% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 419 | $1.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 419 | $1.1M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 414 | $28K |
| Life insurance(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 414 | $102K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 114 | $48K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 39 | $10K |
| Other(5 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 414 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.