| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCEASSIST, INC.3 | 3480 TORRANCE BLVD, STE 110 TORRANCE, CA 905035813 | KAISER FOUNDATION HEALTH PLAN, INC. | $236K | — | $236K | 3.93% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INS | 1515 20TH STREET BAKERSFIELD, CA 933014405 | KAISER FOUNDATION HEALTH PLAN, INC. | $65K | — | $65K | 1.08% |
| INSURANCE ASSIST, INC.3 | 3480 TORRANCE BLVD, STE 110 TORRANCE, CA 905035813 | THE GUARDIAN LIFE INSUARANCE CO. OF AMERICA | $16K | $0 | $16K | 2.21% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INS SALES | 1515 20TH STREET BAKERSFIELD, CA 93301 | THE GUARDIAN LIFE INSUARANCE CO. OF AMERICA | $1K | $0 | $1K | 0.15% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS, INC | 102-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $38K | — | $38K | 18.79% |
| INSURANCE ASSIST, INC.3 | 3480 TORRANCE BLVD, STE 110 TORRANCE, CA 905035813 | TRUSTMARK INSURANCE COMPANY | $16K | — | $16K | 8.06% |
| STACIE L BENDER3 Filed as: STACIE L. BENDER | 2406 WINDERMERE ST. BAKERSFIELD, CA 93311 | AFLAC | $9K | $351 | $9K | 5.03% |
| SOUZA-FAIRLEY INS. SERVICES, INC.3 | 6709 POMPADOUR CT BAKERSFIELD, CA 93312 | AFLAC | $5K | $80 | $5K | 2.63% |
| INSURANCE ASSIST, INC.3 | 21213B HAWTHORNE BLVD, STE 201 TORRANCE, CA 905035813 | AFLAC | $3K | $0 | $3K | 1.66% |
| DAWN T SUCHECKI3 Filed as: DAWN M. TYACK | 310 JAMES WAY, STE 150 PISMO BEACH, CA 93449 | AFLAC | $3K | $80 | $3K | 1.63% |
| MIKE PONCE INSURANCE SERVICES, INC.3 | 5407 STOCKDALE HWY. BAKERSFIELD, CA 93309 | AFLAC | $2K | $0 | $2K | 1.09% |
| KATHLEEN S LOUDERMILK3 Filed as: KATHLEEN S. LOUDERMILK | 1916 GLENBARR CT. BAKERSFIELD, CA 93309 | AFLAC | $1K | $41 | $1K | 0.84% |
| BRENDA S HAMILTON3 Filed as: BRENDA S. HAMILTON | 37 BIRCH AVE. CLOVIS, CA 93611 | AFLAC | $1K | $0 | $1K | 0.83% |
| MICHAEL CARRANZA3 | PO BOX 291148 SAN ANTONIO, TX 78229 | AFLAC | $465 | $0 | $465 | 0.26% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR. AUBURN, CA 95602 | AFLAC | $343 | $0 | $343 | 0.19% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES INC. | 641 HIGUERA ST., STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $180 | $80 | $260 | 0.15% |
| BOBBY F STREI3 Filed as: BOBBY F. STREI | 9 RAINBOW RDG IRVINE, CA 92603 | AFLAC | $257 | $0 | $257 | 0.15% |
| BANZAI INSURANCE SOLUTIONS INC3 | 351 CALIFORNIA ST., STE 450 SAN FRN, CA 94104 | AFLAC | $244 | $0 | $244 | 0.14% |
| CHARLES EMIG JR3 Filed as: CHARLES EMIG JR. | 18100 BUCKBOARD DR. BAKERSFIELD, CA 93314 | AFLAC | $237 | $0 | $237 | 0.13% |
| GARY LOWE3 | 13106 NANTUCKET PL. BAKERSFIELD, CA 93311 | AFLAC | $208 | $0 | $208 | 0.12% |
| ROBERT WILKINS3 Filed as: ROBERT D. WILKINS | 134 NW 19TH STREET ONTARIO, OR 97914 | AFLAC | $178 | $0 | $178 | 0.10% |
| LORI ROBIN NISHIMORI3 Filed as: LORI R. NISHIMORI | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | AFLAC | $140 | $0 | $140 | 0.08% |
| SCOTT RICHARD GLASER3 Filed as: SCOTT R. GLASER | 13910 CALLE ROSALES BAKERSFIELD, CA 93314 | AFLAC | $132 | $0 | $132 | 0.07% |
| DAVID W. LANKIN3 | 5244 CANGAS DRIVE AGOURA HILLS, CA 91301 | AFLAC | $122 | $0 | $122 | 0.07% |
| WALTER CLAPP INS AGENCY INC3 Filed as: WALTER CLAPP INS. AGENCY INC. | 3761 BERNARD ST. BAKERSFIELD, CA 93306 | AFLAC | $91 | $0 | $91 | 0.05% |
| TRACI D MACIAS3 Filed as: TRACI D. MACIAS | 2600 BROOKSIDE DR., APT 153 BAKERSFIELD, CA 93311 | AFLAC | $88 | $0 | $88 | 0.05% |
| JACQUELINE D VAN SCYOC3 Filed as: JACQUELINE D. VAN SCYOC | 841 MOHAWK ST., STE 170 BAKERSFIELD, CA 93309 | AFLAC | $79 | — | $79 | 0.04% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 3130 W. MAIN ST., STE E VISALIA, CA 93291 | AFLAC | $62 | $0 | $62 | 0.04% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NE LOOP 410 STE 408 SAN ANTONIO, TX 78216 | AFLAC | $56 | $0 | $56 | 0.03% |
| LORENZO HERRERA3 | 1912 CLASSEN ST. BAKERSFIELD, CA 93312 | AFLAC | $53 | $0 | $53 | 0.03% |
| DOUGLAS E FOX3 Filed as: DOUGLAS E. FOX | 735 S. GARFIELD AVE., STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $50 | $0 | $50 | 0.03% |
| TYLER J. LOUDERMILK3 | 1916 GLENBARR CT. BAKERSFIELD, CA 93309 | AFLAC | $44 | $6 | $50 | 0.03% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $34 | $0 | $34 | 0.02% |
| MARICELA SANCHEZ3 | 509 E. BROWNING AVE. HERMISTON, OR 97838 | AFLAC | $33 | $0 | $33 | 0.02% |
| STEPHEN MICHAEL RALSTON3 | 841 MOHAWK ST., STE 170 BAKERSFIELD, CA 93309 | AFLAC | $27 | $0 | $27 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S. BROWN | 5558 CALIFORNIA AVE, STE 320 BAKERSFIELD, CA 93309 | AFLAC | $27 | $0 | $27 | 0.02% |
| DANIEL COLE3 Filed as: DANIEL B COLE | 5558 CALIFORNIA AVE, STE 320 BAKERSFIELD, CA 93309 | AFLAC | $24 | $0 | $24 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MICHELLE L. BROWN | 6108 GOLDSTONE DRIVE BAKERSFIELD, CA 93313 | AFLAC | $22 | $0 | $22 | 0.01% |
| JESSICA L WILLIAMS3 Filed as: JESSICA L. WILLIAMS | 3761 BERNARD ST. BAKERSFIELD, CA 93306 | AFLAC | $17 | $0 | $17 | 0.01% |
| MAGAN M. EUBANKS3 | 346 VIA COLINAS WESTLAKE VILLAGE, CA 91362 | AFLAC | $17 | $0 | $17 | 0.01% |
| MATT A. OLSON3 | 12308 TRACKSIDE DR. BAKERSFIELD, CA 93312 | AFLAC | $14 | $0 | $14 | 0.01% |
| PALOMAR INSURANCE CORPORATION3 Filed as: PALOMAR INS. CORP. | 4525 EXECUTIVE PARK DR., STE 202 MONTGOMERY, AL 36116 | AFLAC | $13 | $0 | $13 | 0.01% |
| GUARANTY CALIFORNIA INS SVCS INC3 Filed as: GUARANTY CALIFORNIA INS. SVCS. INC. | 8500 STOCKDALE HWY., STE 200 BAKERSFIELD, CA 93311 | AFLAC | $12 | $0 | $12 | 0.01% |
| PAUL G FUHR3 Filed as: PAUL G. FUHR | 4425 PCH UNIT I-316 TORRANCE, CA 90505 | AFLAC | $10 | $0 | $10 | 0.01% |
| DONALD W PARNELL3 Filed as: DONALD W. PARNELL | PO BOX 824 BAKERSFIELD, CA 93302 | AFLAC | $10 | $0 | $10 | 0.01% |
| MARKHAM INSURANCE SERVICES, INC.3 | PO BOX 924 TEHACHAPI, CA 93581 | AFLAC | $8 | $0 | $8 | 0.00% |
| STACY M. RAUDMAN3 | 3406 SMITH BOTTOM RD COTTONWOOD, CA 96022 | AFLAC | $8 | $0 | $8 | 0.00% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE. BAKERSFIELD, CA 93311 | AFLAC | $7 | $0 | $7 | 0.00% |
| JAMES W. COLLIER INSURANCE AGENCY3 Filed as: JAMES W. COLLIER INS. AGENCY INC. | 4949 BUCKLEY WAY, STE 201 BAKERSFIELD, CA 93309 | AFLAC | $5 | $0 | $5 | 0.00% |
| ROBERT LYNN COMPANY, INC.3 Filed as: THE ROBERT LYNN CO., INC. | PO BOX 1966 BAKERSFIELD, CA 93303 | AFLAC | $4 | $0 | $4 | 0.00% |
| JENNIFER L. HOFFMAN3 | 15737 JARVIS RD. CYPRESS, TX 77429 | AFLAC | $4 | $0 | $4 | 0.00% |
| ANDREW SIMMONS3 Filed as: ANDREW M. SIMMONS | 5421 VILLA TRCE HOOVER, AL 35244 | AFLAC | $3 | $0 | $3 | 0.00% |
| STACIE L BENDER3 Filed as: STACIE L. BENDER | 2406 WINDERMERE ST. BAKERSFIELD, CA 93311 | AFLAC | $485 | $0 | $485 | 3.42% |
| DAWN T SUCHECKI3 Filed as: DAWN M. TYACK | 5558 CALIFORNIA AVE. C, STE 320 BAKERSFIELD, CA 93309 | AFLAC | $195 | $0 | $195 | 1.38% |
| SOUZA-FAIRLEY INS. SERVICES, INC.3 | 5558 CALIFORNIA AVE. C, STE 320 BAKERSFIELD, CA 93309 | AFLAC | $125 | $0 | $125 | 0.88% |
| TRACI D MACIAS3 Filed as: TRACI D. MACIAS | 2600 BROOKSIDE DR., APT 153 BAKERSFIELD, CA 93311 | AFLAC | $101 | $0 | $101 | 0.71% |
| MIKE PONCE INSURANCE SERVICES, INC.3 | 1200 21ST ST., STE B BAKERSFIELD, CA 93301 | AFLAC | $100 | $0 | $100 | 0.71% |
| SCOTT RICHARD GLASER3 Filed as: SCOTT R. GLASER | 13910 CALLE ROSALES BAKERSFIELD, CA 93314 | AFLAC | $84 | $0 | $84 | 0.59% |
| CHERYL O'BRIEN3 | 3509 STONECREEK AVE. BAKERSFIELD, CA 93313 | AFLAC | $84 | $0 | $84 | 0.59% |
| BRENDA S HAMILTON3 Filed as: BRENDA S. HAMILTON | 37 BIRCH AVE. CLOVIS, CA 93611 | AFLAC | $75 | $0 | $75 | 0.53% |
| BANZAI INSURANCE SOLUTIONS INC3 | 351 CALIFORNIA ST., STE 450 SAN ANTONIO, CA 94101 | AFLAC | $67 | $0 | $67 | 0.47% |
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST INC. | 21213B HAWTHORNE BLVD, STE 201 TORRANCE, CA 93291 | AFLAC | $65 | $0 | $65 | 0.46% |
| CHARLES EDWARD PERRY3 Filed as: CHARLES E. PERRY | 12858 TORREY PINES DR. AUBURN, CA 95602 | AFLAC | $46 | $0 | $46 | 0.32% |
| CHARLES EMIG JR3 Filed as: CHARLES EMIG JR. | 18100 BUCKBOARD DR. BAKERSFIELD, CA 93314 | AFLAC | $45 | $0 | $45 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S. BROWN | 5558 CALIFORNIA AVE., STE 320 C BAKERSFIELD, CA 93309 | AFLAC | $45 | $0 | $45 | 0.32% |
| BOBBY F STREI3 Filed as: BOBBY F. STREI | 1631 N. MAPLE ST. BURBANK, CA 91505 | AFLAC | $44 | $0 | $44 | 0.31% |
| MAGAN M. EUBANKS3 | 346 VIA COLINAS WESTLAKE VILLAGE, CA 91362 | AFLAC | $37 | $0 | $37 | 0.26% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 1501 E. ORANGETHORPE AVE., STE 180 FULLERTON, CA 92831 | AFLAC | $31 | $0 | $31 | 0.22% |
| DOUGLAS E FOX3 Filed as: DOUGLAS E. FOX | 435 S. GARFIELD AVE., STE 203 TRAVERSE CITY, MI 49686 | AFLAC | $14 | $0 | $14 | 0.10% |
| GARY LOWE3 | 13106 NANTUCKET PL. BAKERSFIELD, CA 93314 | AFLAC | $7 | $0 | $7 | 0.05% |
| WALTER CLAPP INS AGENCY INC3 Filed as: WALTER CLAPP INS. AGENCY INC. | 3761 BERNARD ST. BAKERSFIELD, CA 93306 | AFLAC | $2 | $0 | $2 | 0.01% |
| LORENZO HERRERA3 | 1912 CLASSEN ST. BAKERSFIELD, CA 93312 | AFLAC | $1 | $0 | $1 | 0.01% |
| D BREDESON INSURANCE SERVICES INC3 Filed as: D BREDESON INSURANCE SERVICES INC. | 641 HIGUERA ST., STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 611 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 1,446 | $6.0M |
| Dental | THE GUARDIAN LIFE INSUARANCE CO. OF AMERICA | 920 | $721K |
| Vision | THE GUARDIAN LIFE INSUARANCE CO. OF AMERICA | 920 | $721K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSUARANCE CO. OF AMERICA | 920 | $922K |
| Short-term disability(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 472 | $392K |
| Long-term disability(3 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 472 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,446 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.