| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $0 | $66K | $66K | 5.95% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $23K | $0 | $23K | 3.96% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $2K | $22K | 7.79% |
| C&B INSURANCE SEVICES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $0 | $22K | 7.72% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACEVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $8K | 2.67% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.55% |
| REBECCA KIM VIALL3 | 1514 47TH LOOP SE MINOT, ND 58701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 2.31% |
| JOEL W. VIALL3 Filed as: JOEL VIALL | 3701 45TH ST SE MINOT, ND 58701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 1.59% |
| CHRISTINE A MILLER3 | 703 RIVERWALK DR UNIT 102 MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.44% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | $144 | $933 | 0.32% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $166 | $564 | 0.20% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $553 | $0 | $553 | 0.19% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $398 | $94 | $492 | 0.17% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $278 | $54 | $332 | 0.12% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $1 | $294 | 0.10% |
| PATRICK LEE CARMICHAEL3 | 5713 PEMBROKE AVE BAKERSFIELD, CA 93308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | $0 | $250 | 0.09% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, TX 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.07% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.05% |
| JOSEPH SILVA3 | 3509 W COLONIAL AVE VISALIA, CA 93277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $136 | $0 | $136 | 0.05% |
| MPART BENEFITS INC3 | 100 ALBRIGHT LN PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $76 | $135 | 0.05% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | $0 | $109 | 0.04% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE ST LAKE ELSINORE, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.02% |
| VONDA KAY PERALEZ3 | 6409 RIO DE JANEIRO AVE BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.02% |
| JOEL WARREN VIALL3 | PO BOX 785 MINOT, ND 58708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.01% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAHET III | 103 PALM DR SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $3 | $27 | 0.01% |
| BARRY W MAAS3 | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| ROBERT RUSHING3 | 223 W ANDERSON LN STE A106 AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $8K | $4K | $13K | 15.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93308 | RELIANCE STANDARD | $3K | $1K | $4K | 15.00% |
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 | 1,344 | 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) | 1,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 740 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 765 | $582K |
| Vision | UNITED CONCORDIA INSURANCE COMPANY | 721 | $122K |
| Life insurance | RELIANCE STANDARD | 1,344 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 486 | $162K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,344 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,344 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.