| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | BLUE SHIELD OF CALIFORNIA | $70K | — | $70K | 5.00% |
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | — | $19K | 11.15% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 6.27% |
| CHRISTINE A MILLER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $640 | $7K | 3.87% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.45% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 3.44% |
| LORRIE ANN RODRIGUEZ3 | 6505 N CORNELIA AVENUE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $50 | $2K | 1.23% |
| ALISA BRIANNE CALDWELL3 | 1016 LORENE AVE BAKERSFIELD, CA 93308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.16% |
| KIMBERLEY LYNN SCHMALL3 | 9925 N GRANVILLE AVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $39 | $2K | 1.07% |
| ARACELI MEDINA PANIAGUA3 | 400 ROYAL WAY BAKERSFIELD, CA 93306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $130 | $2K | 0.98% |
| VONDA KAY PERALEZ3 | 6409 RIO DE JANEIRO AVE BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $265 | $2K | 0.91% |
| ROBERT BERNARD SERRANO3 | 7100 MING AVE BAKERSFIELD, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $946 | — | $946 | 0.55% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $280 | $677 | 0.40% |
| TOHNIA FIELDS3 | 875 INGA ROAD NIPOMO, CA 93444 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $351 | $5 | $356 | 0.21% |
| PORSESSION INC3 | 950 UNIVERSITY PARK LOOP N RENO, NV 89512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $165 | $334 | 0.20% |
| OTAVIUS MANUEL ORTIZ3 | 785 TUCKER RD ST G136 TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $14 | $309 | 0.18% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 3113 W 187TH PL TORRANCE, CA 90504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 0.10% |
| EVARISTO LOPEZ RUBIO3 | 5402 SOUTHSHORE DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.07% |
| SUSAN GIFFORD-BLUMERT3 | 2935 KILAINE DRIVE SIMI VALLEY, CA 93063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.05% |
| EDWIN MANUEL VELASQUEZ3 Filed as: EDWIN MANUAL VELASQUEZ | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.05% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.04% |
| DIANA CASTELAZO-DERY3 | 4609 BRAEMAR PLACE RIVERSIDE, CA 92501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.03% |
| R & B ENROLLMENT SERVICES INC3 Filed as: R&B ENROLLMENT SERVICES, INC | PO BOX 3216 CRESTLINE, CA 92325 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.02% |
| LORI LEE BUMP3 | 1583 W. BOSTON AVENUE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.02% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $11 | $33 | 0.02% |
| DAWN JENKINS LONG3 | 1840 ROCK SPRING STREET NEWBURY PARK, CA 91320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.01% |
| JACK ALLEN NORRIS3 Filed as: JACK WU | 821 BURLINGTON STREET FILLMORE, CA 93015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| CLIFFORD & BRADFORD INSURANCE AG Filed as: CLIFFORD & BRADFORD INSURANCE AGENC | 1515 20TH STREET15 20TH STREET BAKERSFIELD, CA 93301 | ADMINISTRATIVE SOLUTIONS, INC. | $5K | $3K | $8K | 20.82% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC | 1515 20TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 382 | $1.4M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 453 | $177K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 176 | $20K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 224 | $184K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $171K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $171K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 382 | $1.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.