| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | BLUE CROSS OF CALIFORNIA | $0 | $16K | $16K | 1.29% |
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | $80K | $0 | $80K | 23.58% |
| WES BRADFORD INSURANCE SALES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | UNITED CONCORDIA INSURANCE COMPANY | $15K | — | $15K | 9.86% |
| WES BRADFORD INSURANCE SALES INC3 | 1515 20TH STREET BAKERSFIELD, CA 93301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 4.65% |
| LORI ROBIN NISHIMORI3 | 9204 HOXIE CT. BAKERSFIELD, CA 93311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2 | $3K | 2.53% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $204 | $2K | 1.29% |
| CHRISTINE A MILLER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| VONDA KAY PERALEZ3 | 6409 RIO DE JANEIRO AVE BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $938 | $5 | $943 | 0.78% |
| BART EHINGER3 | 715 AVOCET WAY ARROYO GRANDE, CA 93420 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $684 | $0 | $684 | 0.57% |
| ARACELI MEDINA PANIAGUA3 | 400 ROYAL WAY BAKERSFIELD, CA 93306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $0 | $221 | 0.18% |
| CHRISTINA NOEL MCQUISTON3 | 2203 ARLINGTON STREET BAKERSFIELD, CA 93305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $0 | $115 | 0.10% |
| SUSAN GOLD STOKES3 Filed as: SUSAN G STOKES | 17042 PINEHURST LN, #D HUNTINGTON BEACH, CA 92647 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.09% |
| KIMBERLEY LYNN SCHMALL3 | 9925 N GRANVILLE AVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $0 | $101 | 0.08% |
| ALISA BRIANNE CALDWELL3 | 11805 CEDAR BLUFF AVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.04% |
| ALYSSA MARIE SUGGS3 | 6911 KINGS FOREST COURT BAKERSFIELD, CA 93313 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $1 | $43 | 0.04% |
| EDWIN MANUEL VELASQUEZ3 Filed as: EDWIN MANUAL VELASQUEZ | 33013 SEVILLE STREET LAKE ELSINORE, CA 92530 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.03% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| EVARISTO LOPEZ RUBIO3 | 5402 SOUTHSHORE DRIVE BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| GENA LYNNE MOORE3 | 3717 ASHFORK LANE BAKERSFIELD, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INSURANCE AGENC | 1800 19TH STREET BAKERSFIELD, CA 93301 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| 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 | 467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 387 | $148K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 149 | $14K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 205 | $134K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 82 | $121K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO. | 82 | $459K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 82 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.