| 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 HEALTH AND INSURANCE COMPANY | $48K | $0 | $48K | 5.55% |
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $3K | $312 | $3K | 11.06% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INS AGENCY | 1800 19TH ST BAKERSFIELD, CA 93301 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD AND BRADFORD INSURANCE | 1800 19TH ST BAKERSFIELD, CA 93301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $433 | $0 | $433 | 7.94% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BADFORD INSURANCE | 1515 20TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $275 | $30 | $305 | 11.08% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE | 1800 19TH STREET BAKERSFIELD, CA 93301 | MES VISION | $173 | $0 | $173 | 9.98% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE HEALTH AND INSURANCE COMPANY | 85 | $858K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 150 | $10K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 114 | $3K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 114 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
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.