| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BLVD STE 200 LOS ANGELES, CA 90024 | KAISER FOUNDATION HEALTH PLAN INC. | $69K | — | $69K | 3.37% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES, INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 1.65% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BLVD STE 200 LOS ANGELES, CA 90024 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 3.45% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES INC. | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 1.77% |
| PAN-AMERICAN LIFE5 Filed as: PAN AMERICAN LIFE | 601 POYDRAS ST. NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 5.89% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE | 8500 STOCKDALE HWY BAKERSFIELD, CA 93309 | PAN-AMERICAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.21% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BLVD LOS ANGELES, CA 90024 | PAN-AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.58% |
| BRUCE CROHN LLC0 Filed as: BRUCE HARRIS | 11416 ROYALSHIRE DR. DALLAS, TX 75230 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.10% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 Filed as: PAN AMERICAN BENEFIT SOLUTIONS | 1778 NO PLANO RD. #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.07% |
| RXEDO0 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.03% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BLVD STE 200 LOS ANGELES, CA 90024 | SIMNSA | $7K | — | $7K | 5.21% |
| FILICE INSURANCE AGENCY3 | 26238 ENTERPRISE CT LAKE FOREST, CA 92630 | SIMNSA | $2K | — | $2K | 1.79% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICE | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 5.73% |
| GROSSLIGHT INSURANCE INC.3 Filed as: GROSSLIGHT INSURANCE | PO BOX 24946 LOS ANGELES, CA 90024 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 3.58% |
| GROSSLIGHT INSURANCE INC.3 | PO BOX 24946 LOS ANGELES, CA 90024 | PREMIER ACCESS INSURANCE COMPANY | $20K | — | $20K | 31.51% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | PREMIER ACCESS INSURANCE COMPANY | $12K | — | $12K | 19.17% |
| GROSSLIGHT INSURANCE INC.3 | PO BOX 24946 LOS ANGELES, CA 90024 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.34% |
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CA INSURANCE SERVICES | 8500 STOCKDALE HWY #200 BAKERSFIELD, CA 93311 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 22.66% |
| BENEFITVISION3 | 2690 COMMERCE DR. STE 200 HARRISBUG, PA 17110 | TRUSTMARK INSURANCE COMPANY | $4K | — | $4K | 16.13% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BLVD STE 200 LOS ANGELES, CA 90024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.67% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICE | 11508 WAKEHURST CT. AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $669 | — | $669 | 4.74% |
| TAWNY M BRADY3 Filed as: TAWNY BRADY | 11508 WAKEHURST CT. BAKERSFIELD, CA 93311 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $223 | — | $223 | 1.58% |
| CLAYTON KOERNER3 | 5301 OFFICE PARK DR. STE 200 BAKERSFIELD, CA 93309 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.17% |
| GROSSLIGHT INSURANCE INC.3 | PO BOX 24946 LOS ANGELES, CA 90024 | UNION SECURITY INSURANCE COMPANY | $613 | — | $613 | 4.85% |
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CA INSURANCE SERVICES | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | TRUSTMARK INSRUANCE COMPANY | $2K | — | $2K | 14.95% |
| BENEFITVISION3 | 2690 COMMERCE DR. STE 200 HARRISBURG, PA 17110 | TRUSTMARK INSRUANCE COMPANY | $476 | — | $476 | 3.79% |
| GROSSLIGHT INSURANCE INC.3 Filed as: GROSSLIGHT INSURANCE | 1333 WESTWOOD BLVD. LOS ANGELES, CA 90024 | TRUSTMARK INSRUANCE COMPANY | $3 | — | $3 | 0.02% |
| GROSSLIGHT INSURANCE INC.3 | 1333 WESTWOOD BLVD STE 200 LOS ANGELES, CA 90024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $917 | — | $917 | 10.04% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICE | 3721 EXECUTIVE CENTER DR. STE 200 AUSTIN, TX 78731 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $501 | — | $501 | 5.49% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | UNION SECURITY INSURANCE COMPANY | $314 | — | $314 | 8.02% |
| GROSSLIGHT INSURANCE INC.3 | PO BOX 24946 LOS ANGELES, CA 90024 | UNION SECURITY INSURANCE COMPANY | $83 | — | $83 | 2.12% |
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 | 619 | 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) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 334 | $3.0M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 619 | $200K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 423 | $33K |
| Life insurance | TRUSTMARK INSURANCE COMPANY | 67 | $27K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 101 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 33 | $9K |
| Prescription drug | PAN-AMERICAN LIFE INSURANCE COMPANY | 77 | $224K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 267 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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."
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.