| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE200 BAKERSFIELD, CA 93311 | UNITED HEALTHCARE INSURANCE COMPANY | $70K | $0 | $70K | 4.57% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN, INC. | $76K | $0 | $76K | 5.82% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE200 BAKERSFIELD, CA 93311 | DELTA DENTAL OF CALIFORNIA | $20K | $0 | $20K | 10.43% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE200 BAKERSFIELD, CA 93311 | VISION SERVICE PLAN | $7K | $0 | $7K | 10.67% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 326 | $2.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 624 | $189K |
| Vision | VISION SERVICE PLAN | 239 | $68K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $108K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 260 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.