| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFPRD INSURANCE SALES, INC. | 1800 19TH ST. BAKERSFIELD, CA 93301 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 4.53% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.04% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $661 | $1K | $2K | 5.60% |
| CHRISTINE A MILLER3 Filed as: CHRISTINE A. MILLER | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $959 | $282 | $1K | 4.06% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LN. ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $594 | $265 | $859 | 2.81% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $255 | $381 | $636 | 2.08% |
| RICK CHANEY3 Filed as: RICK RENO STEVENS | 9530 HAGEMAN ROAD B 185 BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $254 | $468 | 1.53% |
| OTAVIUS MANUEL ORTIZ3 | 785 TUCKER RD. SUITE G136 TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $91 | $417 | 1.36% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | P.O. BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $206 | $109 | $315 | 1.03% |
| ROBERT BERNARD SERRANO3 | 7100 MING AVE. BAKERSFIELD, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $269 | $18 | $287 | 0.94% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | 3217 STAR AVE. OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $4 | $227 | 0.74% |
| TOHNIA FIELDS3 | 875 INGA RD. NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | $1 | $179 | 0.59% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $23 | $148 | 0.48% |
| RAYMOND KWOCKMAN GONG3 | 2180 FENTO PKWY. SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $20 | $87 | 0.28% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S. FRANKWOOD AVE. REDDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.24% |
| ANTONIO JOSE ANGELES3 | 1127 KOCH LANE SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.23% |
| ADELINA GUADALUPE ORTIZ3 | 22000 GOLDEN STAR BLVD. TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $17 | $61 | 0.20% |
| THERESA NETTO PHILLIPS3 | 6219 S. CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $18 | $46 | 0.15% |
| KEVIN FITZGERALD HOWARD3 | 561 BODEN WAY APT. 3B OAKLAND, CA 94610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $9 | $42 | 0.14% |
| VINCENT GERARD MCLAUGHLIN3 | 30310 HORSETHEIF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.10% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 N. RAISINA AVE. FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| LORRIE ANN RODRIGUEZ3 Filed as: LORRIE ANN RODGRIGUEZ | 6505 N. CORNELIA AVE. FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.07% |
| SUSAN GIFFORD-BLUMERT3 | 2935 KILAINE DRIVE SIMI VALLEY, CA 93063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| DARRYL W VIDOR3 Filed as: DARRYL W. VIDOR | 104 PIONEER DR. FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $9 | $16 | 0.05% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $3 | $13 | 0.04% |
| COMPASS BENEFITS GROUP LLC3 Filed as: COMPASS BENEFITS & INSURANCE | SERVICES 5027 DYNASTY WAY SACRAMENTO, CA 95835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MARDEIO CANNON3 | 5027 DYNASTY WAY SACRAMENTO, CA 95835 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DAWN JENKINS LONG3 | 1840 ROCK SPRINGS ST. NEWBURY PARK, CA 91320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SANDRA E GONZALEZ3 Filed as: SANDRA E. GONZALEZ | 2037 W. BULLARD AVE. FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON ST. FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | — | $909 | 10.01% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANDE SALES | 1515 20TH ST. BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $903 | — | $903 | 10.00% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $485 | — | $485 | 10.01% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $714K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 56 | $60K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 94 | $9K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 186 | $44K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 186 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.