| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACQUELINE BARTHELEMY3 Filed as: JACQUELINE P. MCCARVILLE | FIRST SOLUTIONS INSURANCE SERVICES 4550 CALIFORNIA AVENUE BAKERSFIELD, CA 93309 | BLUE SHIELDS OF CALIFORNIA | $60K | — | $60K | 3.75% |
| SCOTT C. BARKS INSURANCE SERVICES3 Filed as: SCOTT C. BARKS INSURANCE | 4550 CALIFORNIA AVENUE, #105 4550 CALIFORNIA AVENUE BAKERSFIELD, CA 93309 | BLUE SHIELDS OF CALIFORNIA | $20K | — | $20K | 1.25% |
| FIRST SOLUTIONS INSURANCE SERVICES3 | 4550 CALIFORNIA AVENUE, #105 BAKERSFIELD, CA 93309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 29.67% |
| THE D B L CENTER LTD3 | 555 BROADHOLLOW ROAD NELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $988 | $619 | $2K | 20.81% |
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 SHIELDS OF CALIFORNIA | 452 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $19K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $8K |
| Prescription drug | BLUE SHIELDS OF CALIFORNIA | 452 | $1.6M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.