| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES, INC | 1800 19TH ST BAKERSFIELD, CA 93301 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | $0 | $18K | 3.45% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES, INC. | 1800 19TH STREET BAKERSFIELD, CA 933014315 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $0 | $6K | 1.08% |
| C&B INSURANCE SERVICES INC3 | 1800 19TH STREET BAKERSFIELD, CA 93301 | ANTHEM BLUE CROSS | $5K | $0 | $5K | 5.17% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES, INC | 1800 19TH STREET BAKERSFIELD, CA 933014315 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 8.11% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32210 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | UNITEDHEALTHCARE INSURANCE COMPANY | $564 | $0 | $564 | 1.99% |
| CLIFFORD & BRADFORD INSURANCE AG3 Filed as: CLIFFORD AND BRADFORD INS. AGENCY | 1800 19TH STREET BAKERSFIELD, CA 93301 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.71% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES, INC | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $650 | $0 | $650 | 11.31% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $212 | $64 | $276 | 4.80% |
| C&B INSURANCE SERVICES INC3 Filed as: C&B INSURANCE SERVICES, INC | 1800 19TH ST BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $423 | $0 | $423 | 7.66% |
| WES BRADFORD INSURANCE SALES INC3 Filed as: WES BRADFORD INSURANCE SALES INC. | 1800 19TH STREET BAKERSFIELD, CA 93301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $129 | $58 | $187 | 3.39% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 93 | $624K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $28K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 11 | $6K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 377 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.