| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $25K | $4K | $29K | 4.10% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 5.66% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | STANDARD INSURANCE COMPANY | $7K | $2K | $9K | 5.83% |
| COLE & COLE INS SVCS LLC Filed as: COLE&COLE INS SVCS & OTHER AGENTS | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $800 | $0 | $800 | 5.12% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $307 | $0 | $307 | 1.96% |
| STACIE L BENDER3 Filed as: STACIE L. BENDER | 2406 WINDERMERE STREET BAKERSFIELD, CA 93311 | AFLAC | $268 | $0 | $268 | 1.71% |
| SOUZA INS SERVICES INC3 Filed as: SOUZA INSURANCE SERVICES, INC. | 9407 ALMOND CREEK DRIVE BAKERSFIELD, CA 93311 | AFLAC | $153 | $0 | $153 | 0.98% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $94 | $0 | $94 | 0.60% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY, INC. | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $83 | $0 | $83 | 0.53% |
| ELIZABETH ANN SELLARS3 Filed as: ELIZABETH ANN MAYFIELD | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $75 | $0 | $75 | 0.48% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER | $620 | $0 | $620 | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | UNKNOWN BAKERSFIELD, CA 93302 | GERBER | $620 | $0 | $620 | 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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 122 | $965K |
| Dental | STANDARD INSURANCE COMPANY | 109 | $147K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 109 | $159K |
| Life insurance | STANDARD INSURANCE COMPANY | 109 | $147K |
| Short-term disability | STANDARD INSURANCE COMPANY | 109 | $147K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $147K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 122 | $965K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 109 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.