| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 3.65% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $6K | — | $6K | 18.17% |
| CRYSTAL LYNN KNIGHT3 | 11909 KENSETH STREET BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $921 | $2K | 9.61% |
| CAL-VALLEY INSURANCE SERVICES INC3 Filed as: CAL-VALLEY INSURANCE SERVICES | 5070 NORTH 6TH STREET, SUITE 155 FRESNO, CA 93710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $533 | $26 | $559 | 2.31% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $331 | $13 | $344 | 1.42% |
| JOHN DIMOLFETTO3 | PO BOX 2720 BAKERSFIELD, CA 93303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $251 | $283 | 1.17% |
| MJ INSURANCE3 Filed as: NORMITA JOHNSON AND VARIOUS AGENTS | 9817 TUSCARORA DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $262 | $4 | $266 | 1.10% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | PO BOX 5809 FRESNO, CA 93756 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $188 | $21 | $209 | 0.86% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH STREET SAN MATEO, CA 94403 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.78% |
| CAL-VALLEY INSURANCE SERVICES INC3 Filed as: CAL-VALLEY INSURANCE SERVICES | 5070 NORTH SIXTH STREET, SUITE 155 FRESNO, CA 93710 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.61% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 187 | $561K |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 221 | $33K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 176 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $16K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 187 | $561K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 99 | $40K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.