| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | CALIFORNIA PHYSICIANS SERVICE | $2K | $17K | $19K | 3.31% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVENUE BAKERSFIELD, CA 93313 | AFLAC | $1K | $81 | $2K | 6.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S. BROWN | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $559 | $16 | $575 | 2.49% |
| MJ INSURANCE3 Filed as: BOBBY F. STREI AND VARIOUS AGENTS | 10974 COUNTRYVIEW DRIVE RANCHO CUCAMONGA, CA 91730 | AFLAC | $266 | $0 | $266 | 1.15% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INS. SERVICES LLC | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $146 | $16 | $162 | 0.70% |
| DAWN T SUCHECKI3 Filed as: DAWN M. TYACK | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $109 | $0 | $109 | 0.47% |
| WALTER CLAPP INS AGENCY INC3 Filed as: WALTER CLAPP INS. AGENCY INC. | 5307 GREYSTONE COURT BAKERSFIELD, CA 93306 | AFLAC | $71 | $0 | $71 | 0.31% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | 2685 BAYBERRY ROAD FRUITLAND, ID 83619 | AFLAC | $69 | $0 | $69 | 0.30% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $171 | $0 | $171 | 5.00% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 134 | $579K |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 134 | $579K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 134 | $579K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 93 | $3K |
| Short-term disability | AFLAC | 28 | $23K |
| Long-term disability | AFLAC | 28 | $23K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 134 | $579K |
| Other(2 contracts, 2 carriers) | AFLAC | 93 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.