| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | CALIFORNIA PHYSICIANS SERVICE | $33K | — | $33K | 5.00% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKENS & ASSOCIATES | 515 S FLOWER STREET, STE 3510 LOS ANGELES, CT 90071 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 4.33% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 2.92% |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE. SUITE 105 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | $488 | — | $488 | 0.61% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC INS SVC | 3400 W MINERAL KING,#B VISALIA, CA 83291 | AMERICAN FIDELITY ASSURANCE COMPANY | $306 | — | $306 | 0.38% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UDC DENTAL OF CALIFORNIA, INC. | $1K | — | $1K | 9.43% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | METROPOLITAN LIFE INSURANCE COMPANY | $818 | — | $818 | 10.28% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $946 | $1 | $947 | 15.02% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $881 | — | $881 | 14.99% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | SAFEGUARD HEALTH PLANS, INC. | $72 | — | $72 | 553.85% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 89 | $744K |
| Dental(4 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 125 | $53K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $34K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 49 | $80K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 49 | $86K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 89 | $664K |
| Other(4 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 149 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.