| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES3 | 17620 FITCH IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 4.37% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $12K | $438 | $12K | 9.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S BROWN | 5558 CALIFORNIA AVE, STE 320 C BAKERSFIELD, CA 93309 | AFLAC | $3K | $88 | $3K | 2.75% |
| DAWN T SUCHECKI3 Filed as: DAWN M TYACK | 310 JAMES WAY, STE 150 PISMO BEACH, CA 93449 | AFLAC | $2K | $87 | $2K | 1.33% |
| WESTERN GROWERS INSURANCE SERVICES3 | PO BOX 2130 NEWPORT BEACH, CA 92658 | AFLAC | $1K | — | $1K | 1.10% |
| PATTI ELMORE3 Filed as: PATTI G. ELMORE | PO BOX 215 ANAHOLA, HI 96703 | AFLAC | $859 | — | $859 | 0.69% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | AFLAC | $617 | — | $617 | 0.50% |
| WALTER CLAPP INS AGENCY INC3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $537 | — | $537 | 0.43% |
| GUERRERO SOLIS JR3 | 3613 CENTURY DR BAKERSFIELD, CA 93306 | AFLAC | $469 | — | $469 | 0.38% |
| TROY BLAIN BURDEN3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $365 | — | $365 | 0.29% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $346 | — | $346 | 0.28% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST, SUITE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $200 | $88 | $288 | 0.23% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE, STE 320 BAKERSFIELD, CA 93309 | AFLAC | $221 | — | $221 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE L BROWN | 6108 GOLDSTONE DRIVE BAKERSFIELD, CA 93301 | AFLAC | $194 | — | $194 | 0.16% |
| LISA LYNN CLONINGER3 | 612 FRONT AVENUE COLUMBUS, GA 31901 | AFLAC | $184 | — | $184 | 0.15% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE, STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $175 | — | $175 | 0.14% |
| ELVIS BECERRA3 Filed as: ELVIS J BECERRA | 11528 WRANGLER DRIVE BAKERSFIELD, CA 93312 | AFLAC | $161 | — | $161 | 0.13% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $109 | — | $109 | 0.09% |
| DAVID BECKSTEAD3 Filed as: DAVID R BECKSTEAD | 8 CRIMSON RDG HURRICANE, UT 84737 | AFLAC | $108 | — | $108 | 0.09% |
| LESTER RAY BLACKSHEAR3 | 751 HEBRON PKWY, SUITE 220 LEWISVILLE, TX 75057 | AFLAC | $96 | — | $96 | 0.08% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $90 | — | $90 | 0.07% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $80 | — | $80 | 0.06% |
| STEPHEN MICHAEL RALSTON3 | 1616 30TH STREET, STE 200 BAKERSFIELD, CA 93301 | AFLAC | $46 | — | $46 | 0.04% |
| KEITH A LYNAM3 | 727 W IDAHO AVENUE CARTERVILLE, IL 62918 | AFLAC | $43 | — | $43 | 0.03% |
| ROBERT WILKINS3 Filed as: ROBERT D WILKINS | 134 NW 19TH STREET ONTARIO, OR 97914 | AFLAC | $40 | — | $40 | 0.03% |
| DAVID M COUGHLIN3 | 751 HEBRON PARKWAY, STE 220 LEWISVILLE, TX 75057 | AFLAC | $38 | — | $38 | 0.03% |
| BOBBY F STREI3 | 1631 N MAPLE STREET BURBANK, CA 91505 | AFLAC | $25 | — | $25 | 0.02% |
| JACQUELINE D VAN SCYOC3 | 841 MOHAWK ST, STE 170 BAKERSFIELD, CA 93309 | AFLAC | $22 | — | $22 | 0.02% |
| CHRIS BRANSON3 | 351 CALIFORNIA ST, STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $20 | — | $20 | 0.02% |
| STEPHEN MICHAEL RALSTON3 | 1925 H STREET BAKERSFIELD, CA 93301 | AFLAC | $20 | — | $20 | 0.02% |
| LESTER RAY BLACKSHEAR3 | 115 HIDEAWAY LANE CENTRAL HIDEAWAY, TX 75771 | AFLAC | $13 | — | $13 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE H DICKERSON | 34400 GLENWOOD DRIVE YUCAIPA, CA 92399 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID CHAMBERLAIN INS AGCY INC3 | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $10 | — | $10 | 0.01% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $9 | — | $9 | 0.01% |
| CHARLES EMIG JR3 | 18100 BUCKBOARD DR BAKERSFIELD, CA 93314 | AFLAC | $8 | — | $8 | 0.01% |
| WESTERN GROWERS INSURANCE SERVICES3 | 17620 FITCH IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $943 | $5K | 4.66% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $250 | — | $250 | 4.76% |
| TROY BLAIN BURDEN3 | 3761 BERNARD ST BAKERSFIELD, CA 93305 | AFLAC | $91 | — | $91 | 1.73% |
| WESTERN GROWERS INSURANCE SERVICES3 | PO BOX 2130 NEWPORT BEACH, CA 92658 | AFLAC | $65 | — | $65 | 1.24% |
| WALTER CLAPP INS AGENCY INC3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $51 | — | $51 | 0.97% |
| DOUGLAS E FOX3 | 735 S GARFIELD AVE, STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $30 | — | $30 | 0.57% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $25 | — | $25 | 0.48% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $11 | — | $11 | 0.21% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DRIVE AUBURN, CA 95602 | AFLAC | $4 | — | $4 | 0.08% |
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 | 594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 378 | $2.0M |
| Dental(2 contracts) | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 902 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 787 | $46K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 901 | $404K |
| Short-term disability(2 contracts) | AFLAC | 167 | $129K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $114K |
| Other(2 contracts) | AFLAC | 167 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.