| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL O'BRIEN3 | 3509 STONECREEK AVENUE BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | — | $65K | 18.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 5558 CALIFORNIA AVENUE, SUITE 320C BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | — | $59K | 16.84% |
| COLE & COLE INSURANCE SERVICES LLC3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26K | — | $26K | 7.31% |
| GUERRERO SOLIS JR3 Filed as: GUERRERO SOLIS JR. | 1712 19TH STREET, SUITE 200 BAKERSFIELD, CA 93301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 7.17% |
| MIRIAM MORENO3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 5.78% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.69% |
| SOUZA-FAIRLEY INSURANCE SERVICES3 | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.56% |
| BLAS HERNANDEZ3 | 1721 CLAREMONT DRIVE OXNARD, CA 93035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.40% |
| SHIRLEY COLE3 | 13400 CHEYENNE MOUNTAIN DRIVE BAKERSFIELD, CA 93314 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.97% |
| MARINA BRIGUGLIO3 | 1605 5TH AVENUE DELANO, CA 93215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.60% |
| RICK CHANEY3 | 4310 KEY POLO WAY BAKERSFIELD, CA 93312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.59% |
| DEBRA HICKS3 | 5558 CALIFORNIA #320 BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.39% |
| MICHAEL RUGGIERO3 | 2525 VIA MANTILLA CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.30% |
| SHANTELL CLARK3 | 2417 NOBLE AVENUE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $615 | — | $615 | 0.17% |
| STEPHEN MICHAEL RALSTON3 Filed as: STEPHEN RALSTON | 2600 PARK MEADOWS DRIVE APARTMENT C104 BAKERSFIELD, CA 93308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $379 | — | $379 | 0.11% |
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 | 2,779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 4,331 | $732K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 2,719 | $444K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,474 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,331 | — |
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.