| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIFER, PETER3 | 321 OLD STINE ROAD BAKERSFIELD, CA 93309 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $37K | — | $37K | 4.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | — | $19K | $19K | 2.27% |
| FARMERS INSURANCE GROUP3 | 4680 WILSHIRE BLVD. LOS ANGELES, CA 90010 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | — | $135 | $135 | 0.02% |
| PIFER, PETE J.3 | 321 STINE ROAD BAKERSFIELD, CA 93309 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 4.70% |
| FIRST SOLUTIONS INSURANCE SERVICES3 | 4550 CALIFORNIA AVENUE, #105 BAKERSFIELD, CA 933097085 | HUMANA INSURANCE COMPANY | $113 | — | $113 | 0.13% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 187 | $827K |
| Dental | HUMANA INSURANCE COMPANY | 88 | $89K |
| Vision | HUMANA INSURANCE COMPANY | 88 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.