| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERNST CONSULTING SOLUTIONS INC3 | 4900 CALIFORNIA AVENUE SUITE 210B BAKERSFIELD, CA 93309 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 5.00% |
| PEO RISK SERVICES LLC3 Filed as: PEO SELECT INSURANCE SERVICES | 15648 OPUS ONE DRIVE BAKERSFIELD, CA 93314 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
| PEO RISK SERVICES LLC3 Filed as: PEO SELECT INSURANCE SERVICES | — | PROVIDENCE FINANCIAL GROUP, LLC DBA CALL A DOCTOR PLUS | $3K | — | $3K | 26.67% |
| PEO SELECT INSURANCE SERVICES, DBA3 | 4900 CALIFORNIA AVENUE TOWER B-210 BAKERSFIELD, CA 93309 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $892 | $223 | $1K | 19.99% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $82K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $82K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $6K |
| Other(2 contracts, 2 carriers) | PROVIDENCE FINANCIAL GROUP, LLC DBA CALL A DOCTOR PLUS | 129 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.