| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $229 | $16K | 15.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $7K | $1K | $8K | 9.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $6K | — | $6K | 6.65% |
| SHIRLEY COLE3 Filed as: SHIRLEY J COLE | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | AFLAC | $4K | $1K | $5K | 5.99% |
| COLE & COLE INS SVCS LLC3 | 5558 CALIFORNIA AVE STE 320 BAKERSFIELD, CA 93309 | AFLAC | $2K | $350 | $3K | 2.76% |
| ROBERT E LABONTE3 | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $514 | — | $514 | 0.57% |
| CALIFORNIA BENEFIT PLANS INC3 | 1 E CAMELBACK RD STE 840 PHOENIX, AS 85012 | AFLAC | $335 | — | $335 | 0.37% |
| PAUL G FUHR3 | 1408 PYRAMID WAY SPARKS, NV 89431 | AFLAC | $274 | — | $274 | 0.30% |
| DEBORAH NELSON3 Filed as: DEBORAH CLARE NELSON | 625 FAIRVIEW DR STE 123 CARSON CITY, NV 89701 | AFLAC | $168 | — | $168 | 0.19% |
| DESERT INSURANCE ADVISORS LLC3 | 3219 E CAMELBACK RD #396 PHOENIX, AZ 85018 | AFLAC | $147 | — | $147 | 0.16% |
| WALTER CLAPP INS AGENCY INC3 | 5307 GREYSTONE CT BAKERSFIELD, CA 93306 | AFLAC | $123 | — | $123 | 0.14% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE BAKERSFIELD, CA 93313 | AFLAC | $87 | — | $87 | 0.10% |
| JENNIFER E MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $68 | — | $68 | 0.07% |
| BOBBY F STREI3 | 50 CALLE DE VIDA RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $65 | — | $65 | 0.07% |
| JOHN J MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $64 | — | $64 | 0.07% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | AFLAC | $64 | — | $64 | 0.07% |
| MARGARET BRIDGMAN3 Filed as: MARGARET A BRIDGMAN | 13224 LYNETT CT BAKERSFIELD, CA 93314 | AFLAC | $63 | — | $63 | 0.07% |
| DAMON ENGLISH3 Filed as: DAMON W ENGLISH | 27014 N 52ND GLN PHOENIX, AZ 85083 | AFLAC | $53 | — | $53 | 0.06% |
| MERLE DALE HALL3 | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $44 | — | $44 | 0.05% |
| GREGORY F STENZEL3 | 1249 KIOWA DR W GAINSESVILLE, TX 76240 | AFLAC | $43 | — | $43 | 0.05% |
| SOUZA INS SERVICES INC3 | 9407 ALMOND CREEK DR BAKERSFIELD, CA 93311 | AFLAC | $38 | — | $38 | 0.04% |
| RICHARD KELLIHER3 | 10533 E COSMOS CIR SCOTTSDALE, AZ 85255 | AFLAC | $38 | — | $38 | 0.04% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $35 | — | $35 | 0.04% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $31 | — | $31 | 0.03% |
| PATTI ELMORE3 Filed as: PATTI G ELMORE | PO BOX 215 ANAHOLA, HI 96703 | AFLAC | $30 | — | $30 | 0.03% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $30 | — | $30 | 0.03% |
| DAWN T SUCHECKI3 Filed as: DAWN M TYACK | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $28 | — | $28 | 0.03% |
| CHARLES EDWARD PERRY3 | 11638 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $28 | — | $28 | 0.03% |
| DENNIS W CAMDEN3 | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $28 | — | $28 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $27 | — | $27 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 9192 SE 168TH COOK PL THE VILLAGES, FL 32162 | AFLAC | $26 | — | $26 | 0.03% |
| ROBERT BERNARD SERRANO3 Filed as: ROBERT MONTGOMERY | 5500 MING AVE STE 270 BAKERSFIELD, CA 93309 | AFLAC | $26 | — | $26 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 44416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $24 | — | $24 | 0.03% |
| DAVID CHAMBERLAIN INS AGCY INC3 | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $23 | — | $23 | 0.03% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $14 | — | $14 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 160 W SANTA CLARA ST STE 450 SAN JOSE, CA 95113 | AFLAC | $8 | — | $8 | 0.01% |
| BRITTON JOHNSON3 Filed as: BRITTON L JOHNSON | 3220 N ACADEMY BLVD STE 1 COLORADO SPRINGS, CO 80917 | AFLAC | $7 | — | $7 | 0.01% |
| AMY E COHEN3 Filed as: AMY MARIE LUDWICK | 316 BARBATO LN SACRAMENTO, CA 95814 | AFLAC | $6 | — | $6 | 0.01% |
| MANA INSURANCE SOLUTIONS INC3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $5 | — | $5 | 0.01% |
| PATRICIA J GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $4 | — | $4 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL JAMES RHODD | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $4 | — | $4 | 0.00% |
| SCOTT WEBB3 Filed as: SCOTT WEB | 26729 N 91ST DR PEORIA, AS 85383 | AFLAC | $4 | — | $4 | 0.00% |
| PETER T ARNOLD3 | 12199 SILVER SPRINGS PL GRASS VALLEY, CA 95949 | AFLAC | $3 | — | $3 | 0.00% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $3 | — | $3 | 0.00% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $3 | — | $3 | 0.00% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $3 | — | $3 | 0.00% |
| JACQUELINE D VAN SCYOC3 | 1406 N MAIN ST MEREDIAN, ID 83642 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY GRAY3 Filed as: JEFFREY DANIEL GRAY | 1335 SW 11TH AVE ONTARIO, OR 97914 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $2 | — | $2 | 0.00% |
| NICHOLAS E VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $1 | — | $1 | 0.00% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1 | — | $1 | 0.00% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY A KLEINMAN SR3 | 33202 N 46TH WAY CAVE CREEK, AZ 85331 | AFLAC | $1 | — | $1 | 0.00% |
| CHAD P SCHNEIDER3 | 4470 WOODMAN AVE UNIT 303 SHERMAN OAKS, CA 91423 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.00% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $1 | — | $1 | 0.00% |
| MANA INSURANCE SOLUTIONS INC3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $1 | — | $1 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC. | PO BOX 632886 CINCINNATI, OH 45263 | AMERITAS LIFE INSURANCE CORP. | $1K | $388 | $2K | 6.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $19K |
| CBIZ BENEFITS AND INS SERVICES INC EIN 31-1582098 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 398 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $105K |
| Short-term disability | AFLAC | 72 | $91K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 64 | $27K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 571 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.