| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES INC | 1800 19TH STREET BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS LIFE HEALTH AND INSURANCE COMPANY | $60K | $0 | $60K | 5.11% |
| MICHAEL NATHAN CHAUDRY3 | 11012 LAKEWOOD CT BAKERSFIELD, CA 93312 | AFLAC | $2K | $0 | $2K | 3.48% |
| GUERRERO SOLIS JR3 | 1633 VIA TROPICO SANTA MARIA, CA 93454 | AFLAC | $1K | $0 | $1K | 2.77% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN CO INC | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $1K | $0 | $1K | 2.01% |
| SHANTELL CLARK3 | 10715 FIELDSTONE DR BAKERSFIELD, CA 93306 | AFLAC | $632 | $0 | $632 | 1.25% |
| WALTER CLAPP INS AGENCY INC3 | 5307 GREYSTONE CT BAKERSFIELD, CA 93306 | AFLAC | $469 | $0 | $469 | 0.93% |
| DANIEL COLE3 Filed as: DANIEL B COLE | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | AFLAC | $318 | $0 | $318 | 0.63% |
| WILLIAM CLAPP3 | 5307 GREYSTONE CT BAKERSFIELD, CA 93306 | AFLAC | $244 | $0 | $244 | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S BROWN | 4605 BUENA VISTA RD STE 600 BAKERSFIELD, CA 93311 | AFLAC | $158 | $18 | $176 | 0.35% |
| JACQUELINE VAN SCYOC3 Filed as: JACQUELINE D WINTERTON | 11 BETHEL RD HORSESHOE BEND, ID 83629 | AFLAC | $106 | $0 | $106 | 0.21% |
| TROY BLAIN BURDEN3 | 9501 MEADOW LEAF CT BAKERSFIELD, CA 93311 | AFLAC | $80 | $0 | $80 | 0.16% |
| PAMELA J. JOHNSON3 Filed as: PAMELA J JOHNSON | 610 BLUE WATER DR COOKEVILLE, TN 38506 | AFLAC | $76 | $0 | $76 | 0.15% |
| JESSICA L WILLIAMS3 | 15611 CARPARZO DR BAKERSFIELD, CA 93314 | AFLAC | $71 | $0 | $71 | 0.14% |
| LAURA BUCK3 | 3066 MONTCLAIR CIR SE SMYRNA, GA 30080 | AFLAC | $40 | $0 | $40 | 0.08% |
| KEVIN CURTIS3 | 1712 19TH ST STE 208 BAKERSFIELD, CA 93301 | AFLAC | $36 | $0 | $36 | 0.07% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $35 | $0 | $35 | 0.07% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $33 | $0 | $33 | 0.07% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INS SALES INC | 1515 20TH ST BAKERSFIELD, CA 93301 | AFLAC | $30 | $0 | $30 | 0.06% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $29 | $0 | $29 | 0.06% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $27 | $0 | $27 | 0.05% |
| JOSEPH RAY HARDIE3 | 909 E PLAYA DEL NORTE DR APT 6011 TEMPE, AZ 85288 | AFLAC | $20 | $0 | $20 | 0.04% |
| KRISTA N WALLEM3 | 2600 BROOKSIDE DR APT 72 BAKERSFIELD, CA 93311 | AFLAC | $20 | $0 | $20 | 0.04% |
| CHARLES EDWARD PERRY3 | 11638 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $17 | $0 | $17 | 0.03% |
| ERNESTO T GONZALEZ3 | 10653 W LEILANI DR BOISE, ID 83709 | AFLAC | $16 | $0 | $16 | 0.03% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $16 | $0 | $16 | 0.03% |
| TIRZO A LOPEZ3 | 4368 HERADO DR GUADALUPE, CA 93434 | AFLAC | $13 | $0 | $13 | 0.03% |
| CARRIE ANN ROGGENTINE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $12 | $0 | $12 | 0.02% |
| SOUZA INS SERVICES INC3 | 9407 ALMOND CREEK DR BAKERSFIELD, CA 93311 | AFLAC | $12 | $0 | $12 | 0.02% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $12 | $0 | $12 | 0.02% |
| DAWN TYACK3 Filed as: DAWN M TYACK 582 CAMINO MERC | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $11 | $0 | $11 | 0.02% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 5753 HIGHWAY 85 N PMB 8179 CRESTVIEW, FL 32536 | AFLAC | $10 | $0 | $10 | 0.02% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $10 | $0 | $10 | 0.02% |
| MICHAEL N. CHAUDRY3 Filed as: MICHAEL C THOMPSON | 3109 CORVALLIS CT BAKERSFIELD, CA 93309 | AFLAC | $10 | $0 | $10 | 0.02% |
| ROGER D. IRION3 Filed as: ROGER D IRION | 457 PUESTA DEL SOL ARROYO GRANDE, CA 93420 | AFLAC | $7 | $0 | $7 | 0.01% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $5 | $0 | $5 | 0.01% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $4 | $0 | $4 | 0.01% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $3 | $0 | $3 | 0.01% |
| BOBBY F STREI3 | 10974 COUNTRYVIEW DR RANCHO CUCAMONGA, CA 91730 | AFLAC | $3 | $0 | $3 | 0.01% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $3 | $0 | $3 | 0.01% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $3 | $0 | $3 | 0.01% |
| STACIE L BENDER3 | 2406 WINDERMERE ST BAKERSFIELD, CA 93311 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHARLES D. BLOCK3 Filed as: CHARLES B CAREY | 16215 LYLE ST SAN LEANDRO, CA 94578 | AFLAC | $1 | $0 | $1 | 0.00% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES, INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $3K | $0 | $3K | 10.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH ST BAKERSFIELD, CA 93301 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $674 | $0 | $674 | 9.21% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $273 | $0 | $273 | 10.02% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE HEALTH AND INSURANCE COMPANY | 136 | $1.2M |
| Dental | ANTHEM BLUE CROSS LIFE HEALTH AND INSURANCE COMPANY | 136 | $1.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 118 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSUARNCE COMPANY | 114 | $3K |
| Other(3 contracts, 2 carriers) | AFLAC | 114 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.