| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER MCCUMBER3 Filed as: ROGER KERRY MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 933893384 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 3.00% |
| ROGER MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 933893384 | KAISER FOUNDATION HEALTH PLAN | $2K | — | $2K | 0.50% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | 5407 STOCKDALE HWY BAKERSFIELD, CA 93309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47 | — | $47 | 0.09% |
| PACIFIC ADVISORS LLC Filed as: PACIFIC ADVISORS INC | 333 N INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.02% |
| ROGER MCCUMBER3 | PO BOX 13384 BAKERSFIELD, CA 933893384 | KAISER FOUNDATION HEALTH PLAN INC | $701 | — | $701 | 6.07% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 11390 BAKERSFIELD, CA 93389 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.05% |
| MCCUMBER INSURANCE SERVICES Filed as: MCCUMBER, ROGER | PO BOX 13384 BAKERSFIELD, CA 93389 | UNIMERICA LIFE INSURANCE SERVICES | $515 | — | $515 | 9.17% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $442K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $50K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 172 | $10K |
| Life insurance | UNIMERICA LIFE INSURANCE SERVICES | 99 | $6K |
| Other | UNIMERICA LIFE INSURANCE SERVICES | 99 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.