| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | KAISER FOUNDATION HEALTH PLAN | $90K | — | $90K | 4.59% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 10.11% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | VISION SERVICE PLAN | $2K | — | $2K | 4.15% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASE CENTRAL | 1980 FESTIVAL PLAZA DR SUITE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $599 | — | $599 | 1.34% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 14.87% |
| KATHLEEN S LOUDERMILK3 | 90 EL SERENO AVE. CAYUCUS, CA 93430 | AFLAC | $632 | — | $632 | 3.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 5558 CALIFORNIA AVE. STE 300 BAKERSFIELD, CA 93309 | AFLAC | $491 | — | $491 | 2.46% |
| SOUZA INS SERVICES INC3 Filed as: SOUZA INSURANCE SERVICES, INC. | 9407 ALMOND CREEK DR. BAKERSFIELD, CA 93311 | AFLAC | $311 | — | $311 | 1.56% |
| TRACI D MACIAS3 | 6195 MONTE RD. SAN LUIS OBISPO, CA 93401 | AFLAC | $256 | — | $256 | 1.28% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | AFLAC | $246 | — | $246 | 1.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S BROWN | 4605 BUENA VISTA RD STE 600 BAKERSFIELD, CA 93311 | AFLAC | $171 | — | $171 | 0.86% |
| DANIEL COLE3 Filed as: DANIEL B COLE | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | AFLAC | $128 | — | $128 | 0.64% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | STANDARD INSURANCE COMPANY | $661 | — | $661 | 14.59% |
| JAMES W. COLLIER INSURANCE AGENCY3 | P.O. BOX 10630 BAKERSFIELD, CA 933890630 | STANDARD INSURANCE COMPANY | $105 | — | $105 | 14.64% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 312 | $2.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 337 | $142K |
| Vision | VISION SERVICE PLAN | 136 | $45K |
| Life insurance | STANDARD INSURANCE COMPANY | 153 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 16 | $717 |
| Long-term disability | STANDARD INSURANCE COMPANY | 16 | $5K |
| Other | AFLAC | 19 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.