| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INS | 1515 20TH STREET BAKERSFIELD, CA 933014405 | KAISER FOUNDATION HEALTH PLAN, INC. | $176K | $0 | $176K | 5.44% |
| INSURANCEASSIST, INC.3 | 3480 TORRANCE BLVD, STE 110 TORRANCE, CA 905035813 | KAISER FOUNDATION HEALTH PLAN, INC. | -$104 | $0 | -$104 | -0.00% |
| WES BRADFORD INSURANCE SALES INC | 1515 20TH STREET BAKERSFIELD, CA 93301 | UNITED CONCORDIA COMPANIES, INC. | $34K | — | $34K | 10.64% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $7K | $36K | 25.39% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $13K | $21K | 14.63% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $14K | $19K | 13.73% |
| CHRISTINE A MILLER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $9K | $18K | 12.58% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 6.39% |
| ADELINA GUADALUPE ORTIZ3 | 22000 GOLDEN STAR BLVD TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $404 | $4K | 2.74% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 3113 W 187TH PL TORRANCE, CA 90504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $659 | $3K | 2.24% |
| LORRIE ANN RODRIGUEZ3 | 6505 N CORNELIA AVENUE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 2.05% |
| SUSAN GIFFORD-BLUMERT3 | 2935 KILAINE DRIVE SIMI VALLEY, CA 93063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $349 | $3K | 1.98% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $833 | $3K | 1.88% |
| DIANA CASTELAZO-DERY3 | 4609 BRAEMAR PLACE RIVERSIDE, CA 92501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $277 | $2K | 1.63% |
| EDWIN MANUEL VELASQUEZ3 Filed as: EDWIN MANUAL VELASQUEZ | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $299 | $2K | 1.20% |
| NICOLE ANGELES RAMIREZ3 | 201 N ATLANTIC BLVD #A ALHAMBRA, CA 91801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $303 | $1K | 1.06% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES, INC | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $345 | $1K | 1.05% |
| MARC COLLIER3 | 225 OLEANDER AVENUE BAKERSFIELD, CA 93304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.87% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $380 | $606 | $986 | 0.70% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $758 | $173 | $931 | 0.66% |
| BARBARA PRICE3 | 9183 ARAUJO CT ATASCADERO, CA 93422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $816 | — | $816 | 0.58% |
| CALIFORNIA INSURANCE ADVOCATES INC3 | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | $194 | $635 | 0.45% |
| NORMITA JOHNSON3 | 9817 TUSCARORA DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $20 | $571 | 0.41% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON STREET FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $206 | $538 | 0.38% |
| DAWN JENKINS LONG3 | 1840 ROCK SPRING STREET NEWBURY PARK, CA 91320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $332 | $128 | $460 | 0.33% |
| TOHNIA FIELDS3 | 875 INGA ROAD NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $379 | $6 | $385 | 0.27% |
| LORI LEE BUMP3 | 1583 W. BOSTON AVENUE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | $13 | $359 | 0.26% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $29 | $355 | 0.25% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | $58 | $235 | 0.17% |
| SONNA S GIDEONS3 | 180 FOOTHILL ROAD PISMO BEACH, CA 93449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.06% |
| UZIEL RIVERA3 | 543 CHEROKEE CIR BANNING, CA 92220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $15 | $55 | 0.04% |
| PATRICK JOSEPH ANDERSON3 | 651 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $4 | $41 | 0.03% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.34% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 591 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 591 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 657 | $3.2M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 1,591 | $315K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 793 | $32K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 372 | $166K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $141K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $141K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 131 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,591 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.