| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC DB3 | 2745 W 600 N LINDON, UT 84042 | BLUE CROSS OF CALIFORNIA | $24K | $0 | $24K | 4.13% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $13K | $13K | 2.22% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES INC | 1800 19TH STREET BAKERSFIELD, CA 93301 | BLUE CROSS OF CALIFORNIA | $5K | $0 | $5K | 0.82% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | CB INSURANCE SERVICES BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $164 | $10K | 7.61% |
| PCF INSURANCE SERVICES OF THE WEST | PCF INSURANCE SERVICES OF THE WEST BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $0 | $10K | 7.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | EMERSON ROGERS LLC ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $112 | $112 | 0.08% |
| PCF INSURANCE SERVICES OF THE WEST3 | 1701 G STREET BAKERSFIELD, CA 93301 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 4.33% |
| C&B INSURANCE SERVICES INC3 | 1800 19TH ST BAKERSFIELD, CA 93301 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 1.44% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCEMATRIX | $2K | $0 | $2K | 8.41% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCEMATRIX | $440 | $0 | $440 | 2.36% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $1K | $0 | $1K | 9.51% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $169 | $0 | $169 | 1.49% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $1K | $0 | $1K | 13.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $219 | $0 | $219 | 1.99% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $1K | $0 | $1K | 12.83% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $211 | $0 | $211 | 2.17% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $1K | $0 | $1K | 13.28% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $141 | $0 | $141 | 1.72% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $645 | $0 | $645 | 8.83% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $86 | $0 | $86 | 1.18% |
| FALLGATTER RHODES INSURANCE SERVICE3 | 1701 G STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $726 | $0 | $726 | 30.61% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CB SPECIALTY INSURACE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $9 | $0 | $9 | 0.38% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 75 | $692K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 110 | $133K |
| Vision | RELIANCEMATRIX | 189 | $19K |
| Life insurance | RELIANCE STANDARD | 139 | $11K |
| Other(6 contracts) | RELIANCE STANDARD | 139 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.