| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES | 4701 STOCKDALE HWY BAKERSFIELD, CA 93309 | BLUE CROSS OF CALIFORNIA | $17K | — | $17K | 4.72% |
| AMWINS3 Filed as: LISI, INC. | 1660 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $7K | $7K | 2.05% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $11K | $33K | 85.16% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES | 8500 STOCKDALE HWY KING OF PRUSSIA, PA 19409 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 16.85% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES | 8500 STOCKDALE HWY BAKERSFIELD, CA 93311 | UNION SECURITY INSURANCE COMPANY | $89 | — | $89 | 15.03% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 131 | $364K |
| Dental | BLUE CROSS OF CALIFORNIA | 131 | $364K |
| Vision | BLUE CROSS OF CALIFORNIA | 131 | $364K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 178 | $414K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 110 | $39K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 131 | $364K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 131 | $364K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 131 | $403K |
| 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.
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.