| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI & COMPANY3 Filed as: ANDREINI COMPANY | 220 W. 20TH AVE. SAN MATEO, CA 94403 | CALIFORNIA PHYSICIANS' SERVICE | $79K | $17K | $96K | 4.90% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLDALE BLVD SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $39K | — | $39K | 1.98% |
| HEALTHLAND INSURANCE SERVICES INC.3 | 2323 E STREET BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS | $6K | — | $6K | 2.58% |
| ANDREINI & COMPANY3 | 550 W. 20TH AVE. SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | $2K | — | $2K | 0.89% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER LIFE INSURANCE CO. | $144K | — | $144K | 684.68% |
| EMERSON REID LLC3 | 5200 N. PALM AVE., SUITE 114 FRESNO, CA 93704 | GERBER LIFE INSURANCE CO. | $1K | — | $1K | 5.85% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | UNITED OF OMAHO LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED HEALTHCARE OF CALIFORNIA | — | $473 | $473 | 4.00% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | — |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 392 | $2.0M |
| Dental | ANTHEM BLUE CROSS | 232 | $248K |
| Vision | GERBER LIFE INSURANCE CO. | 166 | $21K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 456 | $265K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 392 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.