| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | CALIFORNIA PHYSICIANS SERVICE | $28K | $0 | $28K | 5.00% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 4.98% |
| ANDREINI & COMPANY3 | 2323 EAST STREET BAKERSFIELD, CA 93301 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 3.92% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $912 | $5K | 12.21% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN CO AND OTHER AGENTS | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $998 | $0 | $998 | 5.49% |
| STACIE L BENDER3 Filed as: STACIE L. BENDER | 2406 WINDEREMER STREET BAKERSFIELD, CA 93311 | AFLAC | $994 | $0 | $994 | 5.47% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $347 | $0 | $347 | 1.91% |
| SOUZA INS SERVICES INC3 Filed as: SOUZA INSURANCE SERVICES, INC. | 9407 ALMOND CREEK DRIVE BAKERSFIELD, CA 93311 | AFLAC | $322 | $0 | $322 | 1.77% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INS. SERVICES, LLC | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $164 | $0 | $164 | 0.90% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOK | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $113 | $0 | $113 | 0.62% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $92 | $0 | $92 | 0.51% |
| EMERSON REID LLC3 | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | GERBER LIFE INSURANCE COMPANY | $545 | $0 | $545 | 5.48% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER LIFE INSURANCE COMPANY | $497 | $0 | $497 | 5.00% |
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 | 104 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 123 | $722K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 200 | $90K |
| Vision | GERBER LIFE INSURANCE COMPANY | 95 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $41K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 123 | $722K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.