| 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 | $43K | — | $43K | 3.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 1.28% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.26% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.74% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERFIELD, CA 93389 | GUARDIAN | $4K | — | $4K | 3.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | GUARDIAN | $1K | — | $1K | 1.30% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 3.85% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $522 | — | $522 | 1.09% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 10877 WHITE ROCK ROAD, SUITE 300 RANCHO CORDOVA, CA 95670 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $926 | — | $926 | 3.17% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | UNITED HEALTHCARE INSURANCE COMPANY | $970 | — | $970 | 7.40% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 234 | $1.8M |
| Dental | GUARDIAN | 172 | $99K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 312 | $29K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $13K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 234 | $1.8M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 240 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.