| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOLMAN AND WIKER INS. SVCS., LLC3 | 196 SOUTH FIR STREET VENTURA, CA 93002 | BLUE CROSS OF CALIFORNIA | $181K | $0 | $181K | 4.56% |
| ASSUREDPARTNERS3 | 1425 RIVER PARK DRIVE, SUITE 226 SACRAMENTO, CA 95815 | BLUE CROSS OF CALIFORNIA | $52K | — | $52K | 1.31% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE COURT BAKERSFIELD, CA 93311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $693 | $11K | 8.60% |
| JAMES W. COLLIER INSURANCE AGENCY3 Filed as: JAMES COLLIER INSURANCE AGENCY, INC | PO BOX 10630 BAKERSFIELD, CA 93389 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.72% |
| MJ INSURANCE3 Filed as: VONDA K. PERALEZ AND VARIOUS AGENTS | 6409 RIO DE JANEIRO AVENUE BAKERSFIELD, CA 93313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $428 | $2K | 1.63% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE COURT HEERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.01% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $926 | $209 | $1K | 0.92% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $667 | $104 | $771 | 0.62% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $560 | $0 | $560 | 0.45% |
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 | 357 | 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) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,238 | $4.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,238 | $4.0M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,238 | $4.0M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,238 | $4.1M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 1,238 | $4.0M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,238 | $4.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,238 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,238 | — |
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.