| 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 | $42K | — | $42K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | INC. 721 S. PARKER ST., SUITE 300 ORANGE, CA 92868 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 3.88% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1800 19TH ST. BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.91% |
| 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 | 11.00% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $877 | $594 | $1K | 4.74% |
| CHRISTINE A MILLER3 Filed as: CHRISTINE A. MILLER | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LN. ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | $292 | $980 | 3.16% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $402 | $115 | $517 | 1.67% |
| TOHNIA FIELDS3 | 875 INGA RD. NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | $7 | $467 | 1.50% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | P.O. BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $77 | $284 | 0.92% |
| OTAVIUS MANUEL ORTIZ3 | 785 TUCKER RD. SUITE G136 TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.90% |
| WENDY DAWN PACK3 Filed as: WENDY GERSHOW | 3217 STAR AVE. OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $254 | $3 | $257 | 0.83% |
| RICK CHANEY3 Filed as: RICK RENO STEVENS | 9530 HAGEMAN ROAD B 185 BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $27 | $234 | 0.75% |
| ROBERT BERNARD SERRANO3 | 7100 MING AVE. BAKERSFIELD, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.63% |
| ANDREW I ADKINS3 Filed as: ANDREW ISAI ADKINS | 4817 ENCORE CT. BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $5 | $107 | 0.34% |
| RAYMOND KWOCKMAN GONG3 | 2180 FENTON PKWY SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $18 | $104 | 0.34% |
| ROSE RODRIQUEZ CUEVAS3 Filed as: ROSE RODGRIGUEZ CUEVAS | 1675 S. FRANKWOOD AVE. REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.17% |
| ALISA BRIANNE CALDWELL3 | 11805 CEDAR BLUFF AVE. BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.13% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.13% |
| KEVIN FITZGERALD HOWARD3 | 561 BODEN WAY APT. 3B OAKLAND, CA 94610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $1 | $36 | 0.12% |
| THERESA NETTO PHILLIPS3 | 6219 S. CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $7 | $27 | 0.09% |
| ANTONIO JOSE ANGELES3 | 1127 KOCH LANE SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 N. RAISINA AVE. FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.05% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| SANDRA E GONZALEZ3 Filed as: SANDRA E. GONZALEZ | 2037 W/ BULLARD AVE. FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVENUE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| LORRIE ANN RODRIGUEZ3 Filed as: LORRIE ANN RODGRIGUEZ | 6505 N. CORNELIA AVE. FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DBA CLIFFORD & BRADFORD INSURANCE3 | AGENCY 1800 19TH ST. BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | $849 | — | $849 | 10.00% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1800 19TH ST. BAKERSFIELD, CA 93301 | UNITED CONCORDIA DENAL PLANS OF CALIFORNIA, INC. | $876 | — | $876 | 10.91% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $404 | — | $404 | 9.99% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 93 | $832K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 69 | $64K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 82 | $12K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $44K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 132 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.