| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC. | 1515 20TH STREET BAKERSFIELD, CA 93301 | KAISER FOUNDATION HEALTH PLAN, INC. | $113K | $0 | $113K | 5.31% |
| WES BRADFORD INSURANCE SALES INC | 1515 20TH STREET BAKERSFIELD, CA 93301 | UNITED CONCORDIA COMPANIES, INC. | $21K | $0 | $21K | 10.25% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 9.71% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $4K | $8K | 6.45% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 4.90% |
| CHRISTINE A MILLER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $942 | $4K | 3.26% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 2.95% |
| ADELINA GUADALUPE ORTIZ3 | 22000 GOLDEN STAR BLVD TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $809 | $173 | $982 | 0.83% |
| DIANA CASTELAZO-DERY3 | 4609 BRAEMAR PLACE RIVERSIDE, CA 92501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $939 | $39 | $978 | 0.83% |
| LORRIE ANN RODRIGUEZ3 | 6505 N CORNELIA AVENUE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $926 | $0 | $926 | 0.78% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 3113 W 187TH PL TORRANCE, CA 90504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $804 | $112 | $916 | 0.77% |
| SUSAN GIFFORD-BLUMERT3 | 2935 KILAINE DRIVE SIMI VALLEY, CA 93063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $854 | $59 | $913 | 0.77% |
| EVARISTO LOPEZ RUBIO3 | 5402 SOUTHSHORE DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | $253 | $529 | 0.45% |
| ROBERT BERNARD SERRANO3 | 7100 MING AVE BAKERSFIELD, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $104 | $514 | 0.43% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | $132 | $508 | 0.43% |
| MARC COLLIER3 | 225 OLEANDER AVENUE BAKERSFIELD, CA 93304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $506 | $0 | $506 | 0.43% |
| EDWIN MANUEL VELASQUEZ3 Filed as: EDWIN MANUAL VELASQUEZ | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $383 | $23 | $406 | 0.34% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | $135 | $320 | 0.27% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES, INC | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $25 | $262 | 0.22% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $149 | $256 | 0.22% |
| NICOLE ANGELES RAMIREZ3 | 201 N ATLANTIC BLVD #A ALHAMBRA, CA 91801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $18 | $241 | 0.20% |
| BARBARA PRICE3 | 9183 ARAUJO CT ATASCADERO, CA 93422 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $0 | $183 | 0.15% |
| UZIEL RIVERA3 | 543 CHEROKEE CIR BANNING, CA 92220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $44 | $168 | 0.14% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON STREET FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $28 | $152 | 0.13% |
| LORI LEE BUMP3 | 1583 W. BOSTON AVENUE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $25 | $151 | 0.13% |
| NORMITA JOHNSON3 | 9817 TUSCARORA DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $4 | $150 | 0.13% |
| ARACELI MEDINA PANIAGUA3 | 400 ROYAL WAY BAKERSFIELD, CA 93306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $43 | $144 | 0.12% |
| DAWN JENKINS LONG3 | 1840 ROCK SPRING STREET NEWBURY PARK, CA 91320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | $9 | $133 | 0.11% |
| ALISA BRIANNE CALDWELL3 | 1016 LORENE AVE BAKERSFIELD, CA 93308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.11% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $30 | $108 | 0.09% |
| CALIFORNIA INSURANCE ADVOCATES INC3 | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $79 | $27 | $106 | 0.09% |
| PATRICK JOSEPH ANDERSON3 | 651 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $24 | $99 | 0.08% |
| TOHNIA FIELDS3 | 875 INGA ROAD NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $3 | $78 | 0.07% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $16 | $41 | 0.03% |
| SONNA S GIDEONS3 | 180 FOOTHILL ROAD PISMO BEACH, CA 93449 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC | 1515 20TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.18% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.29% |
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 | 488 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 483 | $2.1M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 812 | $203K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 649 | $25K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 325 | $135K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $119K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $119K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 98 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.