| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE GROUP | 1675 CHESTER AVE., STE 400 BAKERSFIELD, CA 93301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 25.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | P. O. BOX 45018 FRESNO, CA 93718 | $79K |
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 PPO/UR VENDOR | Other services; Float revenue; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | — | $71K |
| AIG TRANSPLANT POLICY | Insurance services Service code 23 | 2001 GATEWAY PL SAN JOSE, CA 95110 | $64K |
| WALTER MORTENSEN INSURANCE EIN 74-3015339 BROKER | Direct payment from the plan; Other fees Service code 50 | 8500 STOCKDALE HIGHWAY, SUITE 200 BAKERSFIELD, CA 93311 | $24K |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 849 | $9K |
| Vision | VISION SERVICE PLAN | 328 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $9K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 327 | $457K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 447 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.