| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $10K | $683 | $11K | 6.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $4K | $137 | $4K | 2.41% |
| WESTERN GROWERS INSURANCE SERVICES3 | PO BOX 2130 NEWPORT BEACH, CA 92658 | AFLAC | $2K | — | $2K | 0.94% |
| PATTI ELMORE3 | PO BOX 215 ANAHOLA, HI 96703 | AFLAC | $1K | — | $1K | 0.63% |
| DANIEL COLE3 | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $874 | $136 | $1K | 0.61% |
| DAWN TYACK3 | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $968 | — | $968 | 0.59% |
| ROGER MCCUMBER3 | PO BOX 13384 BAKERSFIELD, CA 93389 | AFLAC | $788 | — | $788 | 0.48% |
| AARON ROJO3 | 74060 EL CORTEZ WAY PALM DESERT, CA 92260 | AFLAC | $563 | — | $563 | 0.34% |
| WALTER CLAPP INS AGENCY INC3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $552 | — | $552 | 0.34% |
| BRENDA S HAMILTON3 Filed as: BRENDA HAMILTON | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $470 | — | $470 | 0.29% |
| GUERRERO SOLIS JR3 | 3613 CENTURY DR BAKERSFIELD, CA 93306 | AFLAC | $463 | — | $463 | 0.28% |
| TROY BLAIN BURDEN3 Filed as: TROY BURDEN | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $391 | — | $391 | 0.24% |
| LISA LYNN CLONINGER3 Filed as: LISA CLONINGER | 1271 FRONT AVE UNIT 204 COLUMBUS, GA 31901 | AFLAC | $230 | — | $230 | 0.14% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $201 | — | $201 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE BROWN | 6108 GOLDSTONE DR BAKERSFIELD, CA 93313 | AFLAC | $146 | — | $146 | 0.09% |
| JAMES M PITZ3 Filed as: JAMES LANDINGHAM | 316 CHURCH ST WILMINGTON, NC 28401 | AFLAC | $142 | — | $142 | 0.09% |
| BEVERLY BECKSTEAD3 | 83 E GOLD BULLION WAY WASHINGTON, UT 84780 | AFLAC | $136 | — | $136 | 0.08% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $117 | — | $117 | 0.07% |
| LESTER RAY BLACKSHEAR3 Filed as: LESTER BLACKSHEAR | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $111 | — | $111 | 0.07% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 3850 VINE ST STE 130 RIVERSIDE, CA 92507 | AFLAC | $91 | — | $91 | 0.06% |
| D BREDESON INSURANCE SERVICES INC3 | 888 DUGAN DR PISMO BEACH, CA 93449 | AFLAC | $87 | — | $87 | 0.05% |
| ANA ARRIAGA3 | 1115 GRAY AVE YUBA CITY, CA 95991 | AFLAC | $86 | — | $86 | 0.05% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $83 | — | $83 | 0.05% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES PERRY | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $82 | — | $82 | 0.05% |
| STEPHEN MICHAEL RALSTON3 Filed as: STEPHEN RALSTON | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $73 | — | $73 | 0.04% |
| DUANE FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $61 | — | $61 | 0.04% |
| KEITH LYNAM3 | 710 N EMMA ST CHRISTOPHER, IL 62822 | AFLAC | $51 | — | $51 | 0.03% |
| DAVID M COUGHLIN3 Filed as: DAVID COUGHLIN | 751 HEBRON PKWY STE 220 LEWISVILLE, TX 75057 | AFLAC | $49 | — | $49 | 0.03% |
| MATTHEW NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $37 | — | $37 | 0.02% |
| DENA JORDAN3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $34 | — | $34 | 0.02% |
| ROBERT WILKINS3 | 702 YAKIMA ST S VALE, OR 97918 | AFLAC | $31 | — | $31 | 0.02% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $27 | — | $27 | 0.02% |
| ELVIS BECERRA3 | 11528 WRANGLER DR BAKERSFIELD, CA 93312 | AFLAC | $27 | — | $27 | 0.02% |
| CHRIS BRANSON3 | 9209 COLBERG DR AUSTIN, TX 78749 | AFLAC | $27 | — | $27 | 0.02% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 9 RAINBOW RDG IRVINE, CA 92603 | AFLAC | $24 | — | $24 | 0.01% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $20 | — | $20 | 0.01% |
| JACQUELINE VAN SCYOC3 | 5700 E FRANKLIN RD STE 110 NAMPA, ID 83687 | AFLAC | $18 | — | $18 | 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 | $14 | — | $14 | 0.01% |
| STACIE L BENDER3 Filed as: STACIE BENDER | 2406 WINDERMERE ST BAKERSFIELD, CA 93311 | AFLAC | $6 | — | $6 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 E RIVER PARK PL E FL 3 FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.08% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $195 | — | $195 | 4.99% |
| TROY BLAIN BURDEN3 Filed as: TROY BURDEN | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $70 | — | $70 | 1.79% |
| WALTER CLAPP INS AGENCY INC3 | 3761 BERNARD ST BAKERSFIELD, CA 93306 | AFLAC | $47 | — | $47 | 1.20% |
| WESTERN GROWERS INSURANCE SERVICES3 | PO BOX 2130 NEWPORT BEACH, CA 92658 | AFLAC | $44 | — | $44 | 1.13% |
| MARICELA SANCHEZ3 | 509 E BROWNING AVE HERMISTON, OR 97838 | AFLAC | $23 | — | $23 | 0.59% |
| DOUGLAS FOX3 | 735 S GARFIELD AVE STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $22 | — | $22 | 0.56% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $6 | — | $6 | 0.15% |
| MATTHEW NACHAZEL3 | 1001 N HICKORY RD STE 3 SOUTH BEND, IN 46615 | AFLAC | $4 | — | $4 | 0.10% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES PERRY | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $4 | — | $4 | 0.10% |
| BRENDA S HAMILTON3 Filed as: BRENDA HAMILTON | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $3 | — | $3 | 0.08% |
| ANA ARRIAGA3 | 1115 GRAY AVE YUVBA CITY, CA 95991 | AFLAC | $1 | — | $1 | 0.03% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 9 RAINBOW RDG IRVINE, CA 92603 | AFLAC | $1 | — | $1 | 0.03% |
| CHRIS BRANSON3 | 9209 COLBERG DR AUSTIN, TX 78749 | AFLAC | $1 | — | $1 | 0.03% |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 352 | $2.1M |
| Dental(2 contracts) | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 885 | $151K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,291 | $72K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 875 | $315K |
| Short-term disability(2 contracts) | AFLAC | 198 | $169K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 284 | $118K |
| Other(2 contracts) | AFLAC | 198 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,291 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.