The commissioner shall report to the Governor, the Legislature, and to the committees of the Senate and Assembly having jurisdiction over insurance all of the following in the annual report submitted pursuant to

Section 12922: (

a) An analysis of the information required by Sections 674.5, 1857.7, 1857.9, and 12963, including, but not limited to, all of the following:

(1) An aggregate and an average for all insurers for each item of information required by these sections.

(2) The number of insurers reporting policies written for each class during the calendar year.

(3) For each class, the number of insurers reporting a combined loss ratio of percent or more, and the number reporting a combined loss ratio of under percent.

(4) An analysis of adjustments made to loss reserves for prior years.

(5) The change in any item required to be included by paragraphs (1) to (4), inclusive, from the immediately prior year. (

b) An analysis of the activities of the department in implementing the provisions of Proposition on the November 8, 1988, general election ballot, as set forth in

Article 10 (commencing with

Section 1861.01) of

Chapter of Part of Division 1. (

c) Recommendations and proposals, including suggested legislation, to protect consumers from arbitrary insurance rates and practices, to encourage a competitive insurance marketplace, to provide for an accountable commissioner, and to ensure that insurance is fair, available, and affordable for all Californians. (

d) The requirements of this

section shall be satisfied if the analysis required by this

section is included in the annual report to the Governor required by

Section 12922, and a copy of that report is provided to the Legislature.