| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHERYL O'BRIEN3 | 3509 STONECREEK AVENUE BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 5558 CALIFORNIA AVENUE, SUITE 320C BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.72% |
| COLE & COLE INSURANCE SERVICES LLC3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.99% |
| MINERVA FLORES3 Filed as: MINERVA A FLORES | 2801 KAIBAB AVE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $873 | — | $873 | 0.46% |
| GUERRERO SOLIS JR3 Filed as: GUERRERO SOLIS JR. | 1712 19TH STREET, SUITE 200 BAKERSFIELD, CA 93301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $839 | — | $839 | 0.44% |
| MIRIAM MORENO3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | — | $484 | 0.25% |
| MARINA BRIGUGLIO3 | 1605 5TH AVENUE DELANO, CA 93215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | — | $333 | 0.17% |
| SOUZA-FAIRLEY INSURANCE SERVICES3 | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.13% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 0.09% |
| BLAS HERNANDEZ3 | 1721 CLAREMO NT DR OXNARD, CA 93035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.05% |
| SHIRLEY COLE3 | 13400 CHEYENNE MOUNTAIN DRIVE BAKERSFIELD, CA 93314 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.04% |
| MICHAEL RUGGIERO3 | 2525 VIA MANTILLA CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.02% |
| JOSHUA BROGDON3 | 109 WEST JANE ST VALDOSTA, GA 31601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.02% |
| RICK CHANEY3 | 4310 KEY POLO WAY BAKERSFIELD, CA 93312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.02% |
| SHANTELL CLARK3 | 2417 NOBLE AVENUE BAKERSFIELD, CA 93306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.01% |
| DEBRA HICKS3 | 5807 CLEAR VALLEY COURT BAKERSFIELD, CA 93313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| BRYAN SHOVER3 | 309 KNOB HILL VALDOSTA, GA 31602 | 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 | 2,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 3,388 | $637K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,886 | $455K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,535 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,388 | — |
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.