| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT LYNN COMPANY, INC.3 | P. O. BOX 1966 BAKERSFIELD, CA 93303 | AETNA HEALTH, INC. | $100K | $8K | $108K | 4.95% |
| ROBERT LYNN COMPANY, INC.3 | P. O. BOX 1966 BAKERSFIELD, CA 93303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $693 | $17K | 19.83% |
| DAILYFEAT, INC.3 | 1331 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.68% |
| WILLNER-MARCH-WHITTEKER3 | 1550 W. COLORADO BLVD. PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $213 | — | $213 | 0.25% |
| WILLNER-CARDINET-KIDWELL3 Filed as: WILLNER-WITTEKER INSURANCE SERVICES | 333 INDIAN HILL BLVD. CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2 | — | -$2 | -0.00% |
| ROBERT F. CAUSEY3 | 20 RIDGE CREST CIRCLE DIAMOND BAR, CA 91765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$105 | — | -$105 | -0.12% |
| ROBERT LYNN COMPANY, INC.3 | P. O. BOX 1966 BAKERSFIELD, CA 93303 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.63% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY, INC. | P. O. BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 101 TREMONT STREET, FLOOR 11 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN COMPANY | P. O. BOX 1966 BAKERSFIELD, CA 93303 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| DAILYFEAT, INC.3 | 101 TREMONT STREET, FLOOR 11 BOSTON, MA 02108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $310 | $310 | 3.00% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 9 | $62K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $85K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $85K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $85K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $85K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.