| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY SUITE200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN, INC. | $41K | $0 | $41K | 5.02% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | — | DELTA DENTAL OF CALIFORNIA | $45K | $0 | $45K | 24.09% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 20.00% |
| DANIEL PETREY3 | 2000 OAK STREET SUITE 100 BAKERSFIELD, CA 93301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.01% |
| DANIEL PETREY3 | 2000 OAK STREET SUITE 100 BAKERSFIELD, CA 93301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $670 | $0 | $670 | 19.99% |
| DANIEL PETREY3 | 2000 OAK STREET SUITE 100 BAKERSFIELD, CA 93301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $503 | $0 | $503 | 15.01% |
| DANIEL PETREY3 | 2000 OAK STREET SUITE 100 BAKERSFIELD, CA 93301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $474 | $0 | $474 | 15.72% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| THOMAS E MESTMAKER INSURANCE AGENCY3 | P.O. BOX 14067 JACKSON, MS 39236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137 | $0 | $137 | 20.06% |
| DANIEL PETREY3 | 2000 OAK STREET SUITE 100 BAKERSFIELD, CA 93301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102 | $0 | $102 | 14.93% |
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 | 505 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 189 | $807K |
| Dental | DELTA DENTAL OF CALIFORNIA | 323 | $189K |
| Vision | VISION SERVICE PLAN | 322 | $36K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 348 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.
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.