| 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 | $53K | $53K | 5.00% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $23K | $3K | $25K | 4.10% |
| C&B INSURANCE SERVICES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 6.91% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $0 | $18K | 5.91% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACEVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.24% |
| ANGEL GABRIEL VELAZQUEZ-DIAZ3 | 2022 ESTANCIA CIR STE 6 KISSIMMEE, FL 34741 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 1.89% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLINETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $345 | $1K | 0.49% |
| REBECCA KIM VIALL3 | 1514 47TH LOOP SE MINOT, ND 58701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $846 | $397 | $1K | 0.41% |
| CHRISTINE A MILLER3 | 703 RIVERWALK DR UNIT 102 MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.36% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $965 | $104 | $1K | 0.35% |
| PATRICK LEE CARMICHAEL3 | 5713 PEMBROKE AVE BAKERSFIELD, CA 93308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 0.34% |
| BILLY MARK ROBERSON3 | 19210 BOCA DEL MAR SAN ANTONIO, TX 78258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $947 | $63 | $1K | 0.33% |
| JOEL W. VIALL3 Filed as: JOEL VIALL | 3701 45TH ST SE MINOT, ND 58701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | $388 | $777 | 0.25% |
| JOSEPH SILVA3 | 3509 W COLONIAL AVE VISALIA, CA 93277 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $0 | $679 | 0.22% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $491 | $0 | $491 | 0.16% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $289 | $159 | $448 | 0.15% |
| THE MEEHAN AGENCY LLC3 | 1924 DOWN HOLLOW LN WINDERMERE, FL 34786 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $287 | $23 | $310 | 0.10% |
| SUSAN GOLD STOKES3 | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $4 | $236 | 0.08% |
| VONDA KAY PERALEZ3 | 6409 RIO DE JANEIRO AVE BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $0 | $189 | 0.06% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $101 | $189 | 0.06% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.05% |
| OMAR MENDOZA3 | 26326 ROCKWALL PKWY NEW BRAUNFELS, CA 78132 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.05% |
| BARRY W MAAS3 | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $29 | $131 | 0.04% |
| ROBERT RUSHING3 | 223 W ANDERSON LN STE A106 AUSTIN, TX 78752 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $23 | $127 | 0.04% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAHET III | 103 PALM DR SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $49 | $126 | 0.04% |
| JENNIFER AURORA RAMIREZ3 | 4120 WHITTIER ST SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $77 | $7 | $84 | 0.03% |
| EDWIN MANUEL VELASQUEZ3 | 33013 SEVILLE ST LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.03% |
| SHAWN OSBORNE3 | 1150 N LOOP 1604 W STE 108-204 SAN ANTONIO, TX 78248 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $5 | $8 | 0.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD | $7K | $3K | $10K | 15.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93308 | RELIANCE STANDARD | $3K | $2K | $5K | 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 | 1,234 | 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) | 1,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 641 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 857 | $614K |
| Vision | UNITED CONCORDIA INSURANCE COMPANY | 821 | $129K |
| Life insurance(2 contracts) | RELIANCE STANDARD | 981 | $102K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,015 | $203K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 981 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,015 | — |
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.