| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $13K | $979 | $14K | 9.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $4K | $196 | $4K | 2.89% |
| WESTERN GROWERS INSURANCE SERVICES3 | PO BOX 2130 NEWPORT BEACH, CA 92658 | AFLAC | $1K | — | $1K | 0.98% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $1K | $65 | $1K | 0.83% |
| DAWN TYACK3 | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $954 | $131 | $1K | 0.75% |
| PATTI ELMORE3 | PO BOX 215 ANAHOLA, HI 96703 | AFLAC | $928 | — | $928 | 0.64% |
| ROGER MCCUMBER3 | PO BOX 13384 BAKERSFIELD, CA 93389 | AFLAC | $677 | — | $677 | 0.47% |
| WALTER CLAPP INS AGENCY INC3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $502 | — | $502 | 0.35% |
| GUERRERO SOLIS JR3 | 3613 CENTURY DR BAKERSFIELD, CA 93306 | AFLAC | $419 | — | $419 | 0.29% |
| TROY BLAIN BURDEN3 Filed as: TROY BURDEN | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $398 | — | $398 | 0.27% |
| BRENDA S HAMILTON3 Filed as: BRENDA HAMILTON | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $361 | — | $361 | 0.25% |
| LISA LYNN CLONINGER3 Filed as: LISA CLONINGER | 1271 FRONT AVE UNIT 204 COLUMBUS, GA 31901 | AFLAC | $201 | — | $201 | 0.14% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $189 | — | $189 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE BROWN | 6108 GOLDSTONE DR BAKERSFIELD, CA 93313 | AFLAC | $139 | — | $139 | 0.10% |
| BEVERLY BECKSTEAD3 | 83 E GOLD BULLION WAY WASHINGTON, UT 84780 | AFLAC | $118 | — | $118 | 0.08% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SOUTHEAST 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $112 | — | $112 | 0.08% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $102 | — | $102 | 0.07% |
| D BREDESON INSURANCE SERVICES INC3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $85 | — | $85 | 0.06% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $81 | — | $81 | 0.06% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES PERRY | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $80 | — | $80 | 0.06% |
| STEPHEN MICHAEL RALSTON3 Filed as: STEPHEN RALSTON | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $66 | — | $66 | 0.05% |
| KEITH LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 62822 | AFLAC | $45 | — | $45 | 0.03% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $42 | — | $42 | 0.03% |
| ROBERT WILKINS3 | 134 NW 19TH ST ONTARIO, OR 97914 | AFLAC | $33 | — | $33 | 0.02% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 9 RAINBOW RDG IRVINE, CA 92603 | AFLAC | $25 | — | $25 | 0.02% |
| ELVIS BECERRA3 | 11528 WRANGLER DR BAKERSFIELD, CA 93312 | AFLAC | $23 | — | $23 | 0.02% |
| BANZAI INSURANCE SOLUTIONS INC3 | 344 THOMAS L BERKLEY WAY STE 238 OAKLAND, CA 94612 | AFLAC | $22 | — | $22 | 0.02% |
| DUANE FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $5 | $13 | $18 | 0.01% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93041 | AFLAC | $3 | $12 | $15 | 0.01% |
| JACQUELINE VAN SCYOC3 | 841 MOHAWK ST STE 170 BAKERSFIELD, CA 93309 | AFLAC | $15 | — | $15 | 0.01% |
| GCG FINANCIAL LLC3 Filed as: TERRANCE DICKERSON | 34400 GLENWOOD DR YUCAIPA, CA 92399 | AFLAC | $14 | — | $14 | 0.01% |
| DAVID CHAMBERLAIN INS AGCY INC3 | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $11 | — | $11 | 0.01% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $11 | — | $11 | 0.01% |
| ANA ARRIAGA3 | 1115 GRAY AVE YUBA CITY, CA 95991 | AFLAC | $7 | — | $7 | 0.00% |
| CHARLES EMIG JR3 | 909 SW AVE K SEMINOLE, TX 79360 | AFLAC | $6 | — | $6 | 0.00% |
| MATTHEW NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $3 | — | $3 | 0.00% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $2 | — | $2 | 0.00% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $236 | — | $236 | 4.85% |
| TROY BLAIN BURDEN3 Filed as: TROY BURDEN | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $86 | — | $86 | 1.77% |
| WESTERN GROWERS INSURANCE SERVICES3 | PO BOX 2130 NEWPORT BEACH, CA 92658 | AFLAC | $58 | — | $58 | 1.19% |
| WALTER CLAPP INS AGENCY INC3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $52 | — | $52 | 1.07% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $28 | — | $28 | 0.58% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $25 | — | $25 | 0.51% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $7 | — | $7 | 0.14% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES PERRY | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $4 | — | $4 | 0.08% |
| MATTHEW NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $1 | — | $1 | 0.02% |
| BRENDA S HAMILTON3 Filed as: BRENDA HAMILTON | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $1 | — | $1 | 0.02% |
| ANA ARRIAGA3 | 1115 GRAY AVE YUVBA CITY, CA 95991 | AFLAC | $1 | — | $1 | 0.02% |
| BANZAI INSURANCE SOLUTIONS INC3 | 351 CALIFORNIA ST STE 450 SAN FRANCISCO, CA 94104 | AFLAC | $1 | — | $1 | 0.02% |
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 | 498 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 347 | $1.6M |
| Dental(2 contracts) | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 883 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,194 | $56K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 867 | $261K |
| Short-term disability(2 contracts) | AFLAC | 161 | $150K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $108K |
| Other(2 contracts) | AFLAC | 161 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.