| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | AETNA HEALTH OF CALIFORNIA, INC. | $46K | $15K | $61K | 3.28% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | AETNA HEALTH OF CALIFORNIA, INC. | $39K | $0 | $39K | 2.11% |
| ASSUREDPARTNERS3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | AETNA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 5.70% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET DENVER, CO 80237 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.85% |
| ASSUREDPARTNERS3 | 9855 GRANITE RIDGE DRIVE, SUITE 450 SAN DIEGO, CA 92123 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $771 | $7K | 11.86% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $324 | $3K | 5.12% |
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | FOUR EVER LIFE INSURANCE CO. | $4K | $0 | $4K | 10.00% |
| TOLMAN AND WIKER INS. SVCS., LLC3 Filed as: TOLMAN AND WILKER INS, SVCS, LLC | 196 SOUTH FIR STREET VENTURA, CA 93001 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $161 | $0 | $161 | 10.00% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 448 | $2.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 448 | $307K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 448 | $307K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $57K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $57K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 448 | $2.1M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 448 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.