| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $0 | $101K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 721 S PARKER ST STE 300 ORANGE, CA 92868 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 1.00% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $650 | $11K | 16.12% |
| C&B INSURANCE SERVICES INC3 | 1800 19TH ST BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 8.06% |
| MARK TETSUO IWASAKI3 | 133 CRABAPPLE CT HERCULES, CA 94547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.68% |
| EDGEWATER INSURANCE SOLUTIONS LLC3 | 11 HUMBOLDT CT PACIFICA, CA 94044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $1 | $228 | 0.33% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $22 | $132 | 0.19% |
| CAL-VALLEY INSURANCE SERVICES INC3 | 5070 N SIXTH ST #155 FRESNO, CA 93710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 0.18% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA KERN INSURANCE ASSOCIATES BAKERFIELD, CA 93389 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 0.18% |
| PATRICK LEE CARMICHAEL3 | 5713 PEMBROKE AVE #155 BAKERSFIELD, CA 93308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $0 | $108 | 0.16% |
| CRYSTAL LYNN JONES3 | 303 S 197TH AVE BUCKEYE, AZ 85326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.06% |
| LILIANA RIVERA3 | 1267 SILVER TORCH DRIVE BEAUMONT, CA 92223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.04% |
| JENNIFER AURORA RAMIREZ3 | 4120 WHITTIER ST SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.03% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| BARRY W MAAS3 Filed as: BARRY W MASS | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| MICHAEL F FAHEY III3 | 103 PALM DR SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.02% |
| LISA ANN MCLAUGHLIN3 | 30310 HORSETHIEF DR TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRAKWOOD AVE REEDLEY, CA 93308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| CB SPECIALTY INSURANCE SERVICES3 Filed as: CB SPECIALTY INSURANCE SERVICES INC | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $353 | $6K | 10.60% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $4K | $0 | $4K | 9.83% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA INC | $2K | $0 | $2K | 10.04% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $965 | $50 | $1K | 10.51% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 187 | $135K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 235 | $39K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $10K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 366 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.