| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | KAISER FOUNDATION HEALTH PLAN INC | $41K | — | $41K | 5.00% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 5.05% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | UNITEDHEALTHCARE INSURANCE COMPANY | $663 | — | $663 | 6.88% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 181 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $75K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 123 | $19K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
No prospect flags tripped on this filing.