| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | BLUE CROSS OF CALIFORNIA | $25K | — | $25K | 3.26% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 1.70% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN CO., INC. | PO BOX 1966 BAKERSFIELD, CA 93303 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 3.65% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 1.21% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.45% |
| 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 | 2.54% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.23% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $458 | — | $458 | 2.77% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.50% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $436 | — | $436 | 3.51% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $881 | — | $881 | 7.46% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $301 | — | $301 | 2.55% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $668 | — | $668 | 7.46% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $228 | — | $228 | 2.54% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $337 | — | $337 | 7.71% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100 | — | $100 | 2.29% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $273 | — | $273 | 7.62% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86 | — | $86 | 2.40% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $482 | — | $482 | 18.03% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54 | — | $54 | 2.02% |
| INSURICA, INC.3 Filed as: INSURICA CA INS SVCS INC | 8500 STOCKDALE HWY SUITE 200 BAKERSFIELD, CA 93311 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $279 | — | $279 | 17.74% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY INC | PO BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36 | — | $36 | 2.29% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 109 | $1.0M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 109 | $818K |
| Vision | BLUE CROSS OF CALIFORNIA | 109 | $759K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 23 | $9K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 57 | $274K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.