| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST SOLUTIONS INSURANCE SERVICES3 | 1100 MOHAWK ST STE 270 BAKERSFIELD, CA 93309 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $467 | $3K | 5.05% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $309 | $2K | 3.08% |
| PETE PIFER3 | 5610 DISTRICT BLVD STE 105 BAKERSFIELD, CA 93313 | UNITEDHEALTHCARE INSURANCE COMPANY | $954 | $200 | $1K | 2.16% |
| FIRST SOLUTIONS INSURANCE SERVICES3 | 1100 MOHAWK ST STE 270 BAKERSFIELD, CA 93309 | UNITEDHEALTHCARE INSURANCE COMPANY | $22 | — | $22 | 6.49% |
| PIFER, PETER3 Filed as: PIFER PETER | 5610 DISTRICT BLVD STE 105 BAKERSFIELD, CA 93313 | UNITEDHEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 2.65% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 2.65% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 199 | $53K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $339 |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $339 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.