| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | BLUE CROSS OF CALIFORNIA | $75K | $0 | $75K | 5.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $30K | $30K | 2.03% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | BLUE CROSS OF CALIFORNIA | $5K | $0 | $5K | 0.34% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $0 | $10K | 9.27% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.52% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE COURT BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.55% |
| CHRISTINE A MILLER3 Filed as: CHRISTINE A. MILLER | 703 RIVERWALK DRIVE, UNIT 102 MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $0 | $768 | 1.08% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $714 | $0 | $714 | 1.00% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $458 | $0 | $458 | 0.64% |
| SUSAN GOLD STOKES3 Filed as: SUSAN GOLD STOKES AND OTHER AGENTS | 104 MISTY HOLLOW WAY HUNTSVILLE, AL 35806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.16% |
| KIMBERLEY LYNN SCHMALL3 | 1234 GRIFFITH CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.11% |
| CB SPECIALITY INSURANCE SERVICES3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 5.95% |
| C&B INSURANCE SERVICES INC3 Filed as: C & B INSURANCE SERVICES, INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $107 | $2K | 10.74% |
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 | 417 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 157 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 329 | $111K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 339 | $37K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 189 | $86K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 157 | $1.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 189 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.