| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 6.51% |
| INVESTLINC BUSINESS RESOURCES3 Filed as: INVESTLINC BUSINESS RESOURCES, INC. | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.99% |
| MJ INSURANCE3 Filed as: KRISTINA BRICENO AND VARIOUS AGENTS | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $4K | $283 | $5K | 8.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S. BROWN | 5558 CALIFORNIA AVENUE, SUITE 320 C BAKERSFIELD, CA 93309 | AFLAC | $2K | $54 | $2K | 3.49% |
| ROBERT BERNARD SERRANO3 Filed as: ROBERT B. SERRANO | 7100 MING AVENUE APARTMENT B BAKERSFIELD, CA 93309 | AFLAC | $2K | $56 | $2K | 2.85% |
| SHEILA HALBROOKS3 | 3686 NW 11TH AVENUE SUNRISE, FL 33351 | AFLAC | $1K | $136 | $1K | 2.47% |
| SETH G KNOWLTON3 Filed as: SETH KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $688 | $7 | $695 | 1.26% |
| GARY CHAMBLESS3 | 6600 VANCOUVER DRIVE BAKERSFIELD, CA 93309 | AFLAC | $527 | — | $527 | 0.96% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $490 | — | $490 | 0.89% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $81K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $81K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $901K |
| Short-term disability | AFLAC | 56 | $55K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $1.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $820K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.