| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1425 RIVER PARK DRIVE, SUITE 226 SACRAMENTO, CA 95815 | BLUE CROSS OF CALIFORNIA | $45K | $0 | $45K | 5.07% |
| MJ INSURANCE3 Filed as: MIRIAM VEGA AND VARIOUS AGENTS | 13506 PLUMAS WOOD LANE BAKERSFIELD, CA 93314 | AFLAC | $210 | $0 | $210 | 3.29% |
| STEPHEN MICHAEL RALSTON3 | 2600 PARK MEADOWS DRIVE APARTMENT C104 BAKERSFIELD, CA 93308 | AFLAC | $76 | $0 | $76 | 1.19% |
| GWENDOLYN Y. JAMES3 | 571 BRADFORD CIRCLE KOKOMO, IN 46902 | AFLAC | $60 | $0 | $60 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S. BROWN | 4605 BUENA VISTA ROAD, SUITE 600 BAKERSFIELD, CA 93311 | AFLAC | $57 | $0 | $57 | 0.89% |
| DAWN T SUCHECKI3 Filed as: DAWN M. TYACK | 285 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $34 | $0 | $34 | 0.53% |
| JONATHAN ZIMMERMAN3 | 5321 SOUTH 76TH EAST AVENUE TULSA, OK 74145 | AFLAC | $32 | $0 | $32 | 0.50% |
| JACQUELINE VAN SCYOC3 Filed as: JACQUELINE D. WINTERTON | 11 BETHEL ROAD HORSESHOE BEND, ID 83629 | AFLAC | $29 | $0 | $29 | 0.45% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 169 | $881K |
| Dental | BLUE CROSS OF CALIFORNIA | 169 | $881K |
| Vision | BLUE CROSS OF CALIFORNIA | 169 | $881K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 169 | $881K |
| Short-term disability | AFLAC | 18 | $6K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 169 | $881K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $888K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.