| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | CALIFORNIA PHYSICIANS' SERVICE | $36K | — | $36K | 5.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $789 | $8K | 5.09% |
| WALTER MORTENSEN INSURANCE3 Filed as: WALTER MORTENSON | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | CYPRESS DENTAL ADMINISTRATORS | $1K | — | $1K | 2.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $993 | — | $993 | 10.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $812 | — | $812 | 10.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | UNITEDHEALTHCARE INSURANCE COMPANY | $803 | — | $803 | 10.00% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $331 | — | $331 | 10.01% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 130 | $884K |
| Dental | CYPRESS DENTAL ADMINISTRATORS | 106 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $3K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 24 | $8K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 130 | $884K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.