| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES W. COLLIER INSURANCE AGENCY3 | P. O. BOX 10630 BAKERFIELD, CA 933890630 | KAISER FOUNDATION HEALTH PLAN INC. | $80K | — | $80K | 4.89% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P. O. BOX 10630 BAKERFIELD, CA 933890630 | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 10.00% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P. O. BOX 10630 BAKERFIELD, CA 933890630 | VISION SERVICE PLAN | $2K | — | $2K | 3.82% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $222 | — | $222 | 0.53% |
| JAMES W. COLLIER INSURANCE AGENCY3 | PO BOX 10630 BAKERSFIELD, CA 93389 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.80% |
| KATHLEEN S LOUDERMILK3 | 90 EL SERENO AVE CAYUCOS, CA 93430 | AFLAC | $2K | $99 | $2K | 6.93% |
| JAMES W. COLLIER INSURANCE AGENCY3 Filed as: JAMES W COLLIER INS AGENCY INC | PO BOX 10630 BAKERSFIELD, CA 93389 | AFLAC | $648 | — | $648 | 2.57% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $634 | — | $634 | 2.51% |
| SOUZA INS SERVICES INC3 | 9407 ALMOND CREEK DR BAKERSFIELD, CA 93311 | AFLAC | $562 | $8 | $570 | 2.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S BROWN | 1909 16TH ST STE 5 BAKERSFIELD, CA 93301 | AFLAC | $398 | $15 | $413 | 1.64% |
| TRACI D MACIAS3 | 6195 MONTE RD SAN LUIS OBISPO, CA 93401 | AFLAC | $260 | — | $260 | 1.03% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $122 | $23 | $145 | 0.57% |
| JAMES W. COLLIER INSURANCE AGENCY3 | PO BOX 10630 BAKERSFIELD, CA 93389 | STANDARD INSURANCE COMPANY | $537 | — | $537 | 14.00% |
| JAMES W. COLLIER INSURANCE AGENCY3 | PO BOX 10630 BAKERSFIELD, CA 93389 | STANDARD INSURANCE COMPANY | $85 | — | $85 | 14.00% |
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 | 192 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 307 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 335 | $136K |
| Vision | VISION SERVICE PLAN | 126 | $42K |
| Life insurance | STANDARD INSURANCE COMPANY | 192 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 11 | $607 |
| Long-term disability | STANDARD INSURANCE COMPANY | 11 | $4K |
| Other | AFLAC | 23 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.