| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNAT, OH 45263 | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN BROWN | 4605 BUENA VISTA RD STE 600 BAKERSFIELD, CA 93311 | AFLAC | $6K | $369 | $6K | 7.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERV INC. | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $2K | — | $2K | 2.66% |
| SHIRLEY COLE3 | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | AFLAC | $782 | — | $782 | 0.99% |
| ANDRE J MOORE3 | 4225 PARKWOOD CT APT 2 BAKERSFIELD, CA 93309 | AFLAC | $745 | — | $745 | 0.94% |
| DANIEL COLE3 | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | AFLAC | $629 | — | $629 | 0.79% |
| LAURA BUCK3 | 4017 ANNANDALE MAIN HWY KENNESAW, GA 30144 | AFLAC | $428 | — | $428 | 0.54% |
| ROBERT LABONTE3 | 1659 W SAN REMO ST GILBERT, AZ 85233 | AFLAC | $407 | — | $407 | 0.51% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $216 | $86 | $302 | 0.38% |
| CALIFORNIA BENEFIT PLANS INC3 | 1 E CAMELBACK RD STE 840 PHOENIX, AZ 85012 | AFLAC | $235 | — | $235 | 0.30% |
| DEBORAH NELSON3 | 625 FAIRVIEW DR STE 123 CARSON CITY, NV 89701 | AFLAC | $142 | — | $142 | 0.18% |
| DESERT INSURANCE ADVISORS LLC3 | 3219 CAMELBACK RD #396 PHOENIX, AZ 85018 | AFLAC | $115 | — | $115 | 0.15% |
| WALTER CLAPP INS AGENCY INC3 | 5307 GREYSTONE CT BAKERSFIELD, CA 93306 | AFLAC | $108 | — | $108 | 0.14% |
| LAURA BUCK3 | 915 JASMINE PARKE DR APT 3 BAKERSFIELD, CA 93312 | AFLAC | $95 | — | $95 | 0.12% |
| MARGARET BRIDGMAN3 | 13224 LYNETT CT BAKERSFIELD, CA 93314 | AFLAC | $59 | — | $59 | 0.07% |
| JENNIFER MACIAS3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $58 | — | $58 | 0.07% |
| BOBBY F STREI3 Filed as: BOBBY STREI | 10974 COUNTRYVIEW DR RANCHO CUCUMONGA, CA 91730 | AFLAC | $58 | — | $58 | 0.07% |
| JOHN MACIAS JR3 | 950 N UNIVERSITY PARK LOOP RENO, NV 89512 | AFLAC | $50 | — | $50 | 0.06% |
| PAUL FUHR3 | 675 BLUE SKIES DR SPARKS, NV 89436 | AFLAC | $42 | — | $42 | 0.05% |
| LORI ROBIN NISHIMORI3 Filed as: LORI NISHIMORI | 9204 HOXIE CT BAKERSFIELD, CA 93311 | AFLAC | $42 | — | $42 | 0.05% |
| MERLE DALE HALL3 Filed as: MERLE HALL | 5500 W LAKE RIVER LN BOISE, ID 83703 | AFLAC | $33 | — | $33 | 0.04% |
| EL TORRO INC3 | 5425 MILLS RIDGE DR SW WYOMING, MI 49418 | AFLAC | $32 | — | $32 | 0.04% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $27 | — | $27 | 0.03% |
| GREGORY STENZEL3 | 14054 BADLANDS DR FRISCO, TX 75035 | AFLAC | $26 | — | $26 | 0.03% |
| DAMON ENGLISH3 | 27014 N 52ND GLN PHOENIX, AZ 85083 | AFLAC | $26 | — | $26 | 0.03% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $25 | — | $25 | 0.03% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES PERRY | 11638 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $23 | — | $23 | 0.03% |
| SOUZA INS SERVICES INC3 | 9407 ALMOND CREEK DR BAKERSFIELD, CA 93311 | AFLAC | $22 | — | $22 | 0.03% |
| LES HEINSEN INS SERVICES INC3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $20 | — | $20 | 0.03% |
| BRENDA S HAMILTON3 Filed as: BRENDA HAMILTON | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $18 | — | $18 | 0.02% |
| ROBERT BERNARD SERRANO3 Filed as: ROBERT MONTGOMERY | 5500 MING AVE STE 270 BAKERSFIELD, CA 93309 | AFLAC | $17 | — | $17 | 0.02% |
| DOUGLAS FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $13 | — | $13 | 0.02% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 101 N JEFFERSON ST RM 305 MEXICO, MO 65265 | AFLAC | $10 | — | $10 | 0.01% |
| 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% |
| DAWN TYACK3 | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $7 | — | $7 | 0.01% |
| BRITTON JOHNSON3 | 3220 N ACADEMY BLVD STE 1 COLORADO SPRINGS, CO 80917 | AFLAC | $7 | — | $7 | 0.01% |
| AMY LUDWICK3 | 229 MCKAYS POINT PL WEST SACRAMENTO, CA 95605 | AFLAC | $5 | — | $5 | 0.01% |
| MANA INSURANCE SOLUTIONS INC3 Filed as: MANA INSURANCE SOLUTIONS INC. | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $5 | — | $5 | 0.01% |
| PATRICIA GEE3 | PO BOX 2334 MESA, AZ 85214 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL RHODD3 | 4160 GREEN VALLEY RD FAIRFIELD, CA 94534 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $4 | — | $4 | 0.01% |
| PETER T ARNOLD3 Filed as: PETER ARNOLD | 8874 PORTIA DR RENO, NV 89506 | AFLAC | $3 | — | $3 | 0.00% |
| JACQUELINE VAN SCYOC3 Filed as: JACQUELINE WINTERTON | 11 BETHEL RD HORSESHOE BEND, ID 83629 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFREY GRAY3 | 1335 SW 11TH AVE ONTARIO, OR 97914 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $1 | — | $1 | 0.00% |
| NICHOLAS VIGIL3 | 7808 E CYPRESS ST SCOTTSDALE, AZ 85257 | AFLAC | $1 | — | $1 | 0.00% |
| ANA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY KLEINMAN SR | 515 E CAREFREE HWY PMB 323 PHOENIX, AZ 85085 | AFLAC | $0 | — | $0 | 0.00% |
| NATALIE MALHAM3 | 5822 N 13TH ST PHOENIX, AZ 85014 | AFLAC | $0 | — | $0 | 0.00% |
| CHAD P SCHNEIDER3 Filed as: CHAD SCHNEIDER | 22213 1/2 ERWIN ST WOODLAND HILLS, CA 91367 | AFLAC | $0 | — | $0 | 0.00% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL G. GLADNICK | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $0 | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | 721 EMERSON ROAD STE 400 ST. LOUIS, MO 63141 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 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 | $175 | $2K | 5.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 452632886 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $18K |
| CBIZ BENEFITS AND INS SERVICES INC EIN 31-1582098 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 433 | $28K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 310 | $121K |
| Short-term disability | AFLAC | 82 | $79K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 68 | $36K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 310 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.