| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY, STE 200 BAKERSFIELD, CA 93311 | BLUE SHIELD OF CALIFORNIA | — | $121K | $121K | 5.22% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY, STE 200 BAKERSFIELD, CA 93311 | BLUE SHIELD OF CALIFORNIA | $952 | — | $952 | 0.04% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY, STE 200 BAKERSFIELD, CA 933111002 | AMERITAS LIFE INSURANCE CORP. | $18K | — | $18K | 56.47% |
| INSURICA, INC.3 Filed as: INSURICA CA INS. SVCS. INC. | 8500 STOCKDALE HWY., STE 200 BAKERSFIELD, CA 93311 | GUARDIAN | $3K | — | $3K | 10.87% |
| ENROLLEASE3 | 6600 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $937 | — | $937 | 3.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL KENT GERDES | 4600 PIONEER DR. BAKERSFIELD, CA 93306 | GUARDIAN | $663 | — | $663 | 2.12% |
| INSURICA, INC.3 Filed as: INSURICA CA INC SVCS INC. | 8500 STOCKDALE HWY, STE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.62% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 184 | $2.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 179 | $32K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 179 | $32K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $19K |
| Short-term disability | GUARDIAN | 47 | $31K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 184 | $2.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.