| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | PREMIER ACCESS INSURANCE COMPANY | $7K | $0 | $7K | 9.14% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $757 | $5K | 15.12% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH ST BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $49 | $3K | 7.93% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $0 | $682 | 1.97% |
| CAL-VALLEY INSURANCE SERVICES INC3 | 5070 N SIXTH ST #155 FRESNO, CA 93710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $0 | $180 | 0.52% |
| CATHERINE LISA LUKE3 | 4787 W HACIENDA AVE CAMPBELL, CA 95008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.28% |
| UZIEL RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $0 | $79 | 0.23% |
| CRYSTAL LYNN JONES3 | 16117 BUFFALO DRIVE MOORE, OK 73170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.17% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.12% |
| LILIANA RIVERA3 | 25671 TONADILLA CIR MORENO VALLEY, CA 92551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.09% |
| JENNIFER AURORA RAMIREZ3 | 1053 FICUS LANE SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.09% |
| VONDA KAY PERALEZ3 | 6409 RIO DE JANEIRO AVE BAKESFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.08% |
| ROSE RODRIQUEZ CUEVAS3 | 1675 S FREANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.06% |
| MICHAEL JAMES LEBRANE3 | 808 EAST 5TH AVE SAN MATEO, CA 94402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $1 | $15 | 0.04% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| BARRY W MAAS3 Filed as: BARRY W MASS | 1272 W MORGAN RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| CB SPECIALTY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD AND BRADFORD INSURANCE | 1800 19TH ST BAKERSFIELD, CA 93301 | EYE MED | $2K | $0 | $2K | 9.67% |
| CB SPECIALTY INSURANCE SERVICES3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $345 | $0 | $345 | 5.01% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $994K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 297 | $71K |
| Vision | EYE MED | 287 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 94 | $34K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 182 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.