| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 20.74% |
| MICHAEL N. CHAUDRY3 | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.32% |
| MJ INSURANCE3 Filed as: JAIME PUERTA AND VARIOUS AGENTS | 28443 SANTA CATARINA ROAD SANTA CLARA, CA 91350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.64% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INSURANCE SVCS, LLC | 5558 CALIFORNIA AVENUE SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.64% |
| TIRZO A LOPEZ3 Filed as: TIRZO A. LOPEZ | UNKNOWN DELANO, CA 93215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.33% |
| GUERRERO SOLIS JR3 Filed as: GUERRERO SOLIS JR. | 1712 19TH STREET, SUITE 200 BAKERSFIELD, CA 93301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.90% |
| HORACIO J. LANZAS3 | 7032 BAIRD AVENUE RESEDA, CA 91335 | CONTINENTAL AMERICAN INSURANCE COMPANY | $367 | $0 | $367 | 1.29% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 110 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.