| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS AGENCY | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $308K | $206 | $308K | 4.00% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS AGENCY | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $25K | — | $25K | 4.17% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS AGENCY | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.86% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS AGENCY | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $474 | — | $474 | 5.00% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS AGENCY | 6873 N WEST AVE SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $504 | — | $504 | 5.82% |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 205 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 1,344 | $7.7M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,333 | $598K |
| Vision | BLUE SHIELD OF CALIFORNIA | 1,344 | $7.7M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 804 | $60K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,344 | $7.7M |
| Other | BLUE SHIELD OF CALIFORNIA | 540 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,344 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.