| 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 | $26K | $0 | $26K | 3.22% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $7K | $0 | $7K | 7.59% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INSURANCE | 1800 19TH STREET BAKERSFIELD, CA 93301 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $606 | $0 | $606 | 0.71% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INSURANCE | 1800 19TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| CAL-VALLEY INSURANCE SERVICES INC3 | 5070 NORTH SIXTH STREET, SUITE 155 FRESNO, CA 93710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.00% |
| CRYSTAL LYNN KNIGHT3 | 11909 KENSETH STREET BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $489 | $5 | $494 | 3.74% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 0.83% |
| MJ INSURANCE3 Filed as: THERESA PHILLIPS AND VARIOUS AGENTS | 6219 SOUTH CLARA FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.69% |
| JASON DANIEL MCCLAIN3 | 1661 OLIVE STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | $0 | $54 | 0.41% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.40% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE. SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.15% |
| MICHELLE MARIE LANHAM3 | 12420 PADDOCK PLACE BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $3 | $17 | 0.13% |
| RYAN D NEACE3 | 3425 NW 47TH DR. CAMAS, WA 98607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.10% |
| LIDIA XOCHITL NARANJO3 | 7123 ENGELESFIELD DR. BAKERSFIELD, CA 93307 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.05% |
| JOHN DIMOLFETTO3 | PO BOX 2720 BAKERSFIELD, CA 93303 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| TOMMY LEE JOHNSON JR3 | 711 S OLIVE STREET LOS ANGELES, CA 90014 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.02% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE. SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $248 | $1K | 12.22% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $461 | $105 | $566 | 12.27% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 260 | $797K |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 309 | $86K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 113 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $5K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 260 | $797K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 148 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.