| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL O'BRIEN3 | 3509 STONECREEK AVENUE BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 4.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 5558 CALIFORNIA AVENUE, SUITE 320C BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.84% |
| COLE & COLE INSURANCE SERVICES LLC3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.76% |
| MINERVA FLORES3 | 2801 KAIBAB AVENUE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.45% |
| MARINA BRIGUGLIO3 | 1605 5TH AVENUE DELANO, CA 93215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.73% |
| GUERRERO SOLIS JR3 Filed as: GUERRERO SOLIS JR. | 1712 19TH STREET, SUITE 200 BAKERSFIELD, CA 93301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.54% |
| JOSHUA BROGDON3 | 109 WEST JANE ST VALDOSTA, GA 31601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $798 | — | $798 | 0.22% |
| MIRIAM MORENO3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $666 | — | $666 | 0.18% |
| SOUZA-FAIRLEY INSURANCE SERVICES3 | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $595 | — | $595 | 0.16% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $411 | — | $411 | 0.11% |
| BLAIS HERNANDEZ3 | 1721 CLAREMO NT DR OXNARD, CA 93035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.08% |
| MICHAEL RUGGIERO3 | 2525 VIA MANTILLA CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.04% |
| RICK CHANEY3 | 4310 KEY POLO WAY BAKERSFIELD, CA 93312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.03% |
| BRYAN SHOVER3 | 309 KNOB HILL VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.02% |
| DEBRA HICKS3 | 5807 CLEAR VALLEY COURT BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.01% |
| SHANTELL CLARK3 | 2417 NOBLE AVENUE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| SHIRLEY COLE3 | 13400 CHEYENNE MOUNTAIN DRIVE BAKERSFIELD, CA 93314 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| JOSEPH P CALARCO3 Filed as: JOSEPH HARDIE | 7396 VILLAGE SQUARE DRIVE, APT 2821 CASTLE PINES, CO 80108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
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 | 2,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 3,853 | $745K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 2,335 | $426K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,521 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,853 | — |
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."
No prospect flags tripped on this filing.