| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | BLUE SHIELD OF CALIFORNIA | $0 | $83K | $83K | 5.26% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN, INC. | $69K | $0 | $69K | 4.55% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | DELTA DENTAL OF CALIFORNIA | $21K | $0 | $21K | 10.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | VISION SERVICE PLAN | $6K | $0 | $6K | 10.02% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.75% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 273 | $3.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 556 | $210K |
| Vision | VISION SERVICE PLAN | 263 | $63K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.