| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUERRERO SOLIS JR3 Filed as: GUERRERO SOLIS JR. | 4208 GLENBROOK AVE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 7.97% |
| SHANTELL CLARK3 | 10715 FIELDSTONE DR BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 5.57% |
| CHERYL O'BRIEN3 Filed as: CHERYL KNAPP O'BRIEN | 140 S. DOLLIVER ST SPC 104 PISMO BEACH, CA 93449 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.40% |
| COLE & COLE INSURANCE SERVICES LLC3 | 5558 CALIFORNIA AVE SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.75% |
| KEVIN CURTIS3 Filed as: KEVIN M CURTIS | 401 RYLAND STREET SUITE 204 RENO, NV 89502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.66% |
| MINERVA FLORES3 Filed as: MINERVA A FLORES | 2801 KAIBAB AVE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $473 | — | $473 | 0.25% |
| MARINA BRIGUGLIO3 | 1238 WOODROW AVE BAKERSFIELD, CA 93308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | — | $303 | 0.16% |
| SOUZA-FAIRLEY INSURANCE SERVICES3 Filed as: SOUZA INSURANCE SERVICES, INCL | 1909 16TH STREET SUITE 5 BAKERSFIELD, CA 93301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 0.13% |
| JOSHUA BROGDON3 | 2789 GORDON WEBB ROAD NASHVILLE, GA 31639 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.04% |
| MICHAEL RUGGIERO3 | 2525 VIA MANTILLA CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 0.03% |
| BONSON NORTHWEST INC.3 | 28 CHERRY ST TOUCHET, WA 99360 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.03% |
| RICK CHANEY3 | 5558 CALIFORNIA AVE BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| CRAIG S BONSON3 | 5807 CLEAR VALLEY CT BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.01% |
| DAVID JOSHUA ABDELAZIZ3 | 238 RIDGE BLUFF CIBOLO, TX 78108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BRYAN SHOVER3 Filed as: BRYAN DOUGLAS SHOVER | 309 KNOB HILL VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TIRZO A LOPEZ3 Filed as: TIRZO ALEXIS LOPEZ | 4368 HERADO DRIVE GUADALUPE, CA 93434 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$11 | — | -$11 | -0.01% |
| SHIRLEY COLE3 | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$28 | — | -$28 | -0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 10904 STONY POINT DRIVE BAKERSFIELD, CA 93311 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$64 | — | -$64 | -0.03% |
| BRADLEY IAN WITT3 | 450 ROSEWOOD AVE SUITE 209 CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$99 | — | -$99 | -0.05% |
| BLAS HERNANDEZ3 Filed as: BLAS E. HERNANDEZ | 1721 CLAREMONT DR OXNARD, CA 93035 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$150 | — | -$150 | -0.08% |
| DEBRA HICKS3 | 5807 CLEAR VALLEY COURT BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$189 | — | -$189 | -0.10% |
| MIRIAM VEGA3 | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93401 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$457 | — | -$457 | -0.25% |
| JOSEPH LEON LINVILLE3 Filed as: JOSEPH L LINVILLE | 8249 N BACKER AVE FRESNO, CA 93720 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2K | — | -$2K | -0.83% |
| CHERYL O'BRIEN3 Filed as: CHERYL KNAPP O'BRIEN | 140 S. DOLLIVER ST SPC 104 PISMO BEACH, CA 93449 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$5K | — | -$5K | -2.63% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 2,164 | $413K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,477 | $425K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 295 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,164 | — |
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.