| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS. AGENCY LLC | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN INC | $29K | $0 | $29K | 3.83% |
| THE INSURANCE GROUP3 Filed as: INSURANCE GROUP | PO BOX 5086 OXNARD, CA 93031 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.18% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS. AGENCY LLC | PO BOX 5086 OXNARD, CA 93031 | AETNA HEALTH, INC. | $32K | $0 | $32K | 4.96% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS. AGENCY LLC | PO BOX 5086 OXNARD, CA 93031 | AETNA LIFE INSURANCE COMPANY | $32K | $7K | $39K | 7.76% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INS. AGENCY LLC | PO BOX 5086 OXNARD, CA 93031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $585 | $17K | 16.20% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 | 3550 CAMINO DEL RIO NORTH SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $133 | $3K | 2.82% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 338 | $1.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 338 | $498K |
| Vision | AETNA LIFE INSURANCE COMPANY | 338 | $498K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $105K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 338 | $1.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.