| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | BLUE CROSS OF CALIFORNIA | $38K | — | $38K | 4.55% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| 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 | 10.00% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERSFIELD, CA 93309 | METROPOLITAN LIFE INSURANCE COMPANY | $731 | — | $731 | 9.82% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $890 | — | $890 | 15.01% |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 5401 BUSINESS PARK S, STE 107 BAKERFIELD, CA 93309 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $831 | — | $831 | 15.37% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | — |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKENS & ASSOCIATES | 515 S FLOWER STREET, STE 3510 LOS ANGELES, CT 90071 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | — |
| RENBERG COMPLIANCE3 Filed as: RENBERG COMPLIANCE & INS SVCS | 7395 N PALM BLUFFS AVE. SUITE 105 FRESNO, CA 93711 | AMERICAN FIDELITY ASSURANCE COMPANY | $363 | — | $363 | — |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC INS SVC | 3400 W MINERAL KING,#B VISALIA, CA 83291 | AMERICAN FIDELITY ASSURANCE COMPANY | $204 | — | $204 | — |
| BALDWIN-GEORGENTON INS AGENCY, INC.3 | 4200 TRUXTEN AVENUE, SUITE 102 BAKERSFIELD, CA 93309 | AMERICAN FIDELITY ASSURANCE COMPANY | $57 | — | $57 | — |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 96 | $836K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 57 | $40K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $32K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 58 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $6K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 96 | $836K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.