| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1800 19TH ST BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $14K | $0 | $14K | 2.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S PARKER ST ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $5K | $5K | 0.88% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC | 1800 19TH ST BAKERSFIELD, CA 93301 | KAISER FOUNDATION HEALTH PLAN INC | $31 | $0 | $31 | 0.05% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | -$43 | $0 | -$43 | -0.06% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BADFORD INSURANCE | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 10.05% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $336 | $3K | 12.12% |
| VONDA KAY PERALEZ3 | 6409 RIO D JANEIRO AVE BAKERSFIELD, CA 93313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $985 | $6 | $991 | 3.72% |
| MARK TETSUO IWASAKI3 Filed as: MARK TETSUO LWASAKI | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $874 | $0 | $874 | 3.28% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $612 | $244 | $856 | 3.21% |
| LILIANA RIVERA3 | 25671 TONADILLA CIR MORENO VALLEY, CA 92551 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $669 | $148 | $817 | 3.07% |
| MARGARITA ALEJANDRA RAMIREZ3 Filed as: MARGARITA ALEJANDRAQ RAMIREZ | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $456 | $193 | $649 | 2.43% |
| JENNIFER AURORA RAMIREZ3 Filed as: JENNIFER AUROA RAMIREZ | 1053 FICUS LANE SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $0 | $356 | 1.34% |
| CAL-VALLEY INSURANCE SERVICES INC3 | 5070 NORTH SIXTH STREET, SUITE 155 FRESNO, CA 93710 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $348 | $0 | $348 | 1.31% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.63% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAKEY | 9301 NW 33RD ST DORAL, FL 33172 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $32 | $157 | 0.59% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | $51 | $143 | 0.54% |
| CRYSTAL LYNN KNIGHT3 | 11909 KENSETH STREET BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.46% |
| CLIENT BENEFIT INSURANCE SERVICES3 | 5675 RUFFIN ROAD SAN DIEGO, CA 92123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $102 | $1 | $103 | 0.39% |
| YESENIA RUIZ SANCHEZ3 | 4801 RYZONA DV BAKERSFIELD, CA 93313 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.14% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 SOUTH FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.11% |
| MJ INSURANCE3 Filed as: THERESA PHILLIPS AND VARIOUS AGENTS | 6219 SOUTH CLARA FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.10% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| RYAN D NEACE3 | 3425 NW 47TH DR. CAMAS, WA 98607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MICHELLE MARIE LANHAM3 | 12420 PADDOCK PLACE BAKERSFIELD, CA 93312 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD AND BRADFORD INSURANCE | 1800 19TH ST BAKERSFIELD, CA 93301 | EYE MED | $1K | $0 | $1K | 9.28% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $179 | $0 | $179 | 4.99% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INSURANCE | 1800 19TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $199 | $0 | $199 | 9.98% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $100 | $0 | $100 | 10.05% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34 | $0 | $34 | 10.06% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 232 | $597K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 270 | $46K |
| Vision(2 contracts, 2 carriers) | EYE MED | 125 | $14K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $4K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 232 | $69K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 189 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.