| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&B INSURANCE SERVICES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $40K | $0 | $40K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMIN INC | 721 S PARK STREET ORANGE, CA 92868 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $16K | $16K | 2.02% |
| KATHLEEN S LOUDERMILK3 | 90 EL SERENO AVE CAYUCOS, CA 93430 | AFLAC | $5K | $293 | $5K | 6.89% |
| STACIE L BENDER3 | 2406 WINDERMERE ST BAKERSFIELD, CA 93311 | AFLAC | $2K | $214 | $3K | 3.66% |
| SOUZA INS SERVICES INC3 | 9407 ALMOND CREEK DR BAKERSFIELD, CA 93311 | AFLAC | $1K | $0 | $1K | 1.72% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INS SALES INC | 1515 20TH ST BAKERSFIELD, CA 93301 | AFLAC | $1K | $0 | $1K | 1.52% |
| GUERRERO SOLIS JR3 | 1633 VIA TROPICO SANTA MARIA, CA 93454 | AFLAC | $921 | $20 | $941 | 1.32% |
| MICHAEL NATHAN CHAUDRY3 | 11012 LAKEWOOD CT BAKERSFIELD, CA 93312 | AFLAC | $739 | $86 | $825 | 1.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S BROWN | 4605 BUENA VISTA RD BAKERSFIELD, CA 93311 | AFLAC | $689 | $20 | $709 | 1.00% |
| ROGER MCCUMBER3 Filed as: ROGER K MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | AFLAC | $405 | $0 | $405 | 0.57% |
| DANIEL COLE3 Filed as: DANIEL B COLE | 1632 CHRISTINA CT PASO ROBLES, CA 93446 | AFLAC | $404 | $0 | $404 | 0.57% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS AGCY INC | PO BOX 5479 FRESNO, CA 93755 | AFLAC | $385 | $0 | $385 | 0.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LISA L BROWN | 4063 W GOLDEN BARREL ST EAGLE, ID 83616 | AFLAC | $111 | $0 | $111 | 0.16% |
| DAWN T SUCHECKI3 Filed as: DAWN M TYACK | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $103 | $0 | $103 | 0.14% |
| LAURA BUCK3 | 1175 JASMINE GREEN TRL SW MARIETTA, GA 30064 | AFLAC | $63 | $15 | $78 | 0.11% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVE STE 310 BAKERSFIELD, CA 93309 | AFLAC | $70 | $0 | $70 | 0.10% |
| LAURA BUCK3 | 3066 MONTCLAIR CIR SE SMYRNA, GA 30080 | AFLAC | $63 | $0 | $63 | 0.09% |
| LAVONNE A MCCUMBER3 Filed as: LAVONNE MCCUMBER | PO BOX 13384 BAKERSFIELD, CA 93389 | AFLAC | $63 | $0 | $63 | 0.09% |
| RICHARD DUSSAIGNE3 | 17901 CHURCHILL ST TEHACHAPI, CA 93561 | AFLAC | $45 | $0 | $45 | 0.06% |
| SARA L WILKINSON3 | 4900 CALIFORNIA AVE 2ND FL BAKERSFIELD, CA 93309 | AFLAC | $45 | $0 | $45 | 0.06% |
| KEVIN CURTIS3 | 1712 19TH ST STE 208 BAKERSFIELD, CA 93301 | AFLAC | $31 | $0 | $31 | 0.04% |
| BRENDA S HAMILTON3 | 37 BIRCH AVE CLOVIS, CA 93611 | AFLAC | $19 | $0 | $19 | 0.03% |
| INSURICA, INC.3 Filed as: INSURICA CA INSURANCE SERVICES INC | 8500 STOCKDALE HWY STE 200 BAKERSFIELD, CA 93311 | AFLAC | $19 | $0 | $19 | 0.03% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $14 | $0 | $14 | 0.02% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $13 | $0 | $13 | 0.02% |
| JACQUELINE VAN SCYOC3 Filed as: JACQUELINE D WINTERTON | 11 BETHEL RD HORSESHOE BEND, ID 83629 | AFLAC | $12 | $0 | $12 | 0.02% |
| MICHAEL OVERBECK3 | 5023 MAR GRANDE DR BAKERSFIELD, CA 93307 | AFLAC | $11 | $0 | $11 | 0.02% |
| JACKIE L TIDWELL3 | 11111 TRUCHARD CT BAKERSFIELD, CA 93312 | AFLAC | $9 | $0 | $9 | 0.01% |
| NSE INS AGCY INC3 | PO BOX 704 EXETER, CA 93221 | AFLAC | $7 | $0 | $7 | 0.01% |
| CHARLES EDWARD PERRY3 | 11638 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $6 | $0 | $6 | 0.01% |
| ANA PATRICIA ARRIAGA3 | 980 ARLINGTON CIR WOODLAND, CA 95695 | AFLAC | $6 | $0 | $6 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ANDREW FRY | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $5 | $0 | $5 | 0.01% |
| GARY LOWE3 | 13106 NANTUCKET PL BAKERSFIELD, CA 93314 | AFLAC | $4 | $0 | $4 | 0.01% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT BAKERSFIELD, CA 93311 | AFLAC | $4 | $0 | $4 | 0.01% |
| SIERRA N KIRSHY3 | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $4 | $0 | $4 | 0.01% |
| DOUGLAS E FOX3 | 6836 THAYER LAKE DR ALDEN, MI 49612 | AFLAC | $3 | $0 | $3 | 0.00% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 5753 HIGHWAY 85 N PMB 8179 CRESTVIEW, FL 32536 | AFLAC | $2 | $0 | $2 | 0.00% |
| MATTHEW M NACHAZEL3 | 16473 BAYWOOD LN GRANGER, IN 46530 | AFLAC | $1 | $0 | $1 | 0.00% |
| HARRY J FOGG3 | 3030 N ROCKY POINT DR W STE 16 TAMPA, FL 33607 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.55% |
| STEPHEN LEON GIONIS3 Filed as: STEPHEN A ALESSI | 3030 N ROCKY POINT DR W STE 16 TAMPA, FL 33607 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.77% |
| JEREMY D GRAY3 | 3030 N ROCKY POINT DR W STE 16 TAMPA, FL 33607 | AMERICAN UNITED LIFE INSURANCE COMPANY | $686 | $0 | $686 | 2.26% |
| C&B INSURANCE SERVICES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $1K | $0 | $1K | 9.97% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $2K | $0 | $2K | 20.00% |
| C&B INSURANCE SERVICES INC3 | 1800 19TH STREET BAKERSFIELD, CA 933014315 | UNITED OF OMAHA LIFE INSUARNCE COMPANY | $446 | $0 | $446 | 19.98% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 73 | $793K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 146 | $14K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 131 | $33K |
| Other(5 contracts, 4 carriers) | AFLAC | 131 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.