| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CALIFORNIA INS SERVICE | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN INC. | $84K | — | $84K | 4.57% |
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CALIFORNIA INS SERVICE | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 4.24% |
| FILICE INSURANCE AGENCY3 | — | SIMNSA | $11K | — | $11K | 7.00% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HWY STE. 200 BAKERSFIELD, CA 93311 | UNION SECURITY INSURANCE COMPANY | $19K | — | $19K | 13.45% |
| PAUL GERDES3 | 5301 OFFICE PARK DR. STE. 200 BAKERSFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 3.36% |
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CA INSURANCE SERVICES | 8500 STOCKDALE HWY STE. 200 BAKERSFIELD, CA 93309 | PAN-AMERICAN LIFE INSURANCE COMPANY | $27K | $9K | $36K | 42.37% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST. NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $17K | $17K | 19.94% |
| PAN-AMERICAN BENEFIT SOLUTIONS3 Filed as: PAN AMERICAN BENEFIT SOLUTIONS | 1778 NO PLANO RD. #210 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $9K | $9K | 10.39% |
| RXEDO3 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.10% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | PREMIER ACCESS INSURANCE COMPANY | $35K | — | $35K | 48.23% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HWY STE. 200 BAKERSFIELD, CA 93311 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 19.27% |
| PAUL GERDES3 | 5301 OFFICE PARK DR. STE. 200 BAKERSFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| CLAYTON KOERNER3 | 5301 OFFICE PARK DR. STE. 200 BAKERSFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 38.80% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 18.16% |
| PAUL GERDES3 | 5301 OFFICE PARK DR. STE 200 BAKERSFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $968 | — | $968 | 4.54% |
| GUARANTY CALIFORNIA INS SERVICES3 | 3721 EXECUTIVE CENTER DR. STE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| TAWNY M BRADY3 Filed as: TAWNY BRADY | 11508 WAKEHURST CT. BAKERSFIELD, CA 93311 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $638 | — | $638 | 4.99% |
| CLAYTON KOERNER3 | 5301 OFFICE PARK DR. STE. 200 BAKERSFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 28.97% |
| GUARANTY CALIFORNIA INS SERVICES3 Filed as: GUARANTY CALIFORNIA INSURANCE | 3721 EXECUTIVE CENTER DR. STE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.73% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 333 | $2.6M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 739 | $228K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 81 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 34 | $9K |
| Prescription drug | PAN-AMERICAN LIFE INSURANCE COMPANY | 124 | $84K |
| Other(5 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 431 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.