| 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 | $0 | $20K | 2.76% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $6K | $0 | $6K | 8.97% |
| DON WILLIAM KUHNS3 | UNKNOWN BAKERSFIELD, CA 93308 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| CAL-VALLEY INSURANCE SERVICES INC3 | 5070 NORTH SIXTH STREET, SUITE 155 FRESNO, CA 93710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.80% |
| CRYSTAL LYNN KNIGHT3 | 11909 KENSETH STREET BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $204 | $2K | 7.68% |
| MIACHELLE MARIE LANHAM3 | 12420 PADDOCK PLACE BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $359 | $85 | $444 | 2.25% |
| MJ INSURANCE3 Filed as: THERESA PHILLIPS AND VARIOUS AGENTS | 6219 SOUTH CLARA FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $385 | $29 | $414 | 2.10% |
| JASON DANIEL MCCLAIN3 | 1661 OLIVE STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $0 | $211 | 1.07% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $0 | $152 | 0.77% |
| JOHN DIMOLFETTO3 | PO BOX 2720 BAKERSFIELD, CA 93303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $143 | $4 | $147 | 0.74% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $386 | $2K | 13.18% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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) | KAISER FOUNDATION HEALTH PLAN INC | 204 | $728K |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 116 | $71K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 223 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 204 | $728K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 115 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.