| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIBUDIO & DEFENDIS AGENCY3 | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $280K | $271 | $280K | 4.10% |
| DIBUDIO & DEFENDIS AGENCY3 | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $29K | — | $29K | 5.00% |
| DIBUDIO & DEFENDIS AGENCY3 | 6873 N WEST AVENUE SUITE 101 FRESNO, CA 93711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| DUBUDIO & DEFENDIS AGENCY3 | 6873 N WEST AVENUE SUITE 101 FRESNO, CA 93711 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.16% |
| DIBUDIO & DEFENDIS AGENCY3 | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $295 | — | $295 | 4.00% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 1,362 | $6.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,404 | $573K |
| Vision | BLUE SHIELD OF CALIFORNIA | 1,362 | $6.8M |
| Life insurance | BLUE SHIELD OF CALIFORNIA | 540 | $7K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,362 | $6.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 699 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,404 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.