| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | UNITED HEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 5.48% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN, INC. | $59K | $0 | $59K | 4.52% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | DELTA DENTAL OF CALIFORNIA | $19K | $0 | $19K | 10.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $124 | $11K | 10.11% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 9600 GREAT HILLS TRL SUITE 225W AUSTIN, TX 78759 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.14% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 307 | $2.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 634 | $193K |
| Vision | VISION SERVICE PLAN | 236 | $51K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.