| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD & BRADFORD INC. | 1515 20TH STREET BAKERSFIELD, CA 933014405 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | $0 | $25K | 4.97% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH STREET BAKERSFIELD, CA 93301 | BLUE CROSS OF CALIFORNIA | $7K | $0 | $7K | 3.75% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH STREET BAKERSFIELD, CA 933014405 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 8.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32210 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | UNITEDHEALTHCARE INSURANCE COMPANY | $575 | $109 | $684 | 5.46% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH STREET BAKERSFIELD, CA 933014405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $779 | $0 | $779 | 15.00% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH STREET BAKERSFIELD, CA 933014405 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $449 | $0 | $449 | 10.00% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1515 20TH STREET BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $147 | $0 | $147 | 3.75% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 164 | $690K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 22 | $13K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 25 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 13 | $5K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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."
No prospect flags tripped on this filing.