| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC. | 1800 19TH ST. BAKERSFIELD, CA 93301 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 9.88% |
| 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 | $16K | — | $16K | 4.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.98% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 8.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | UNITED CONCORDIA INSURANCE COMPANY | $994 | — | $994 | 1.65% |
| 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 | 9.54% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $361 | $2K | 4.90% |
| CHRISTINE A MILLER3 Filed as: CHRISTINE A. MILLER | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.15% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LN. ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | $263 | $929 | 2.89% |
| VONDA KAY PERALEZ3 | 6409 RIO DE JANEIRO AVE. BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | $25 | $538 | 1.67% |
| ROSA MURILLO PUENTE3 | 6143 UTE DR. SAN JOSE, CA 95123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $354 | $98 | $452 | 1.40% |
| CHRISTINA NOEL MCQUISTON3 | 2203 ARLINGTON ST. BAKERSFIELD, CA 93305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 1.01% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 W. MORANGA RD. FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $176 | $38 | $214 | 0.66% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $19 | $199 | 0.62% |
| TOHNIA FIELDS3 | 875 INGA RD. NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 0.46% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE. SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $2 | $120 | 0.37% |
| CATHERINE LISA LUKE3 | 4787 W. HACIENDA AVE. CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $7 | $47 | 0.15% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S. FRANKWOOD AVE. REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.13% |
| WENDY SUE GERSHOW3 | 3217 STAR AVE, OAKLAND, CA 94619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| ANDREW I ADKINS3 Filed as: ANDREW ISAI ADKINS | 4817 ENCORE CT. BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.11% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| ALISA BRIANNE CALDWELL3 Filed as: ALISA BRAINNE CALDWELL | 11805 CEDAR BLUFF AVE. BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 N, RAISINA AVE. FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| RAYMOND KWOCKMAN GONG3 | 2180 FENTON PKWY. SAN DIEGO, CA 92108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| ANTONIO JOSE ANGELES3 | 1858 ALLISON WAY SAN JOSE, CA 95132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| SANDRA E GONZALEZ3 Filed as: SANDRA E. GONZALEZ | 2037 W. BULLARD AVE. FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DBA CLIFFORD & BRADFORD INSURANCE3 | AG 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 | $672 | — | $672 | 8.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $134 | — | $134 | 1.66% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $603 | — | $603 | 9.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $109 | — | $109 | 1.69% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH ST. BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $310 | — | $310 | 8.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68 | — | $68 | 1.80% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 91 | $372K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 78 | $67K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 94 | $11K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $44K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $32K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 147 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.