| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | CALIFORNIA PHYSICIANS' SERVICE | — | $21K | $21K | 4.21% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 4.26% |
| ANDREINI AND COMPANY3 | 2323 EAST STREET BAKERSFIELD, CA 93301 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 3.72% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | CALIFORNIA PHYSICIANS' SERVICE | — | $2K | $2K | 4.17% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN CO. AND VARIOUS | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $1K | $0 | $1K | 5.09% |
| STACIE L BENDER3 Filed as: STACIE L. BENDER | 2406 WINDERMERE STREET BAKERSFIELD, CA 93311 | AFLAC | $711 | $127 | $838 | 4.22% |
| MARKHAM INSURANCE SERVICES, INC.3 Filed as: MARKHAM INSURANCE SERVICES INC. | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $378 | $0 | $378 | 1.90% |
| SOUZA INS SERVICES INC3 Filed as: SOUZA INSURANCE SERVICES INC. | 9407 ALMOND CREEK DRIVE BAKERSFIELD, CA 93311 | AFLAC | $273 | $25 | $298 | 1.50% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INSURANCE SVCS LLC | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $132 | $25 | $157 | 0.79% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $113 | $0 | $113 | 0.57% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $100 | $0 | $100 | 0.50% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 6.97% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER | $690 | $0 | $690 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN BAKERSFIELD, CA 93302 | GERBER | $690 | $0 | $690 | 5.00% |
| ANDREINI AND COMPANY3 | 2323 E STREET BAKERSFIELD, CA 93301 | PREMIER ACCESS INSURANCE COMPANY | $129 | $0 | $129 | 1.49% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $352 | $0 | $352 | 10.01% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INURANCE AND VARIOUS | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $166 | — | $166 | 5.08% |
| MARKHAM INSURANCE SERVICES, INC.3 Filed as: MARKHAM INSURANCE SERVICES INC. | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $63 | $0 | $63 | 1.93% |
| STACIE L BENDER3 Filed as: STACIE L. BENDER | 2406 WINDERMERE STREET BAKERSFIELD, CA 93311 | AFLAC | $59 | — | $59 | 1.80% |
| SOUZA INS SERVICES INC3 Filed as: SOUZA INSURANCE SERVICES INC. | 9407 ALMOND CREEK DRIVE BAKERSFIELD, CA 93311 | AFLAC | $34 | — | $34 | 1.04% |
| G SCOTT COOKE3 | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $19 | $0 | $19 | 0.58% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $17 | $0 | $17 | 0.52% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC. | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $17 | $0 | $17 | 0.52% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER | $52 | $0 | $52 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN BAKERSFIELD, CA 93302 | GERBER | $52 | $0 | $52 | 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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 146 | $758K |
| Dental(2 contracts) | PREMIER ACCESS INSURANCE COMPANY | 224 | $106K |
| Vision(2 contracts) | GERBER | 98 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $44K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $44K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $44K |
| Prescription drug(4 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 146 | $758K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.