| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES W. COLLIER INSURANCE AGENCY3 Filed as: JAMES COLLIER INS AGENCY INC | P.O. BOX 10630 BAKERSFIELD, CA 93389 | BLUE SHIELD OF CALIFORNIA | $14K | $45K | $59K | 4.45% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | — | $28K | $28K | 2.12% |
| JAMES W. COLLIER INSURANCE AGENCY3 Filed as: JAMES COLLIER INSURANCE AGENCY | P.O. BOX 10630 BAKERSFIELD, CA 93389 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 4.64% |
| JAMES C. BARKS3 Filed as: JAMES W COLLIER INSURANCE | 4949 BUCKLEY WAY #203 BAKERSFIELD, CA 93309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: EMERSON REID, LLC (USI) | 4507 N. FRONT STREET SUITE 301 HARRISBURG, PA 17110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $754 | — | $754 | 5.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 1.19% |
| JAMES W. COLLIER INSURANCE AGENCY3 Filed as: JAMES W COLLIER INSURANCE AGENCY | P.O. BOX 10630 BAKERSFIELD, CA 93389 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $856 | — | $856 | 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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 123 | $2.1M |
| Dental | BLUE SHIELD OF CALIFORNIA | 123 | $1.3M |
| Vision | BLUE SHIELD OF CALIFORNIA | 123 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $15K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $9K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 123 | $1.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 218 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.