| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #108 FRESNO, CA 937114308 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 4.59% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC. | 1800 19TH STREET BAKERSFIELD, CA 933014315 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.91% |
| DIBUDO & DEFENDIS INSURANCE3 | 6873 N. WEST AVENNUE. #101 FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 16.86% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1515 20TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.15% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | P. O. BOX 5479 FRESNO, CA 93755 | PREMIER ACCESS | $2K | — | $2K | 7.40% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES | 1800 19TH STREET BAKERSFIELD, CA 933014315 | PREMIER ACCESS | $226 | — | $226 | 0.69% |
| CLIFFORD & BRADFORD INSURANCE AG3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $426 | — | $426 | 3.00% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 98 | $492K |
| Dental | PREMIER ACCESS | 156 | $33K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 72 | $14K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $34K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.