| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV.,INC | 2600 LAKE LUCIEN DR STE 300 MAITLAND, FL 32751 | BLUE OF CALIFORNIA | — | $60K | $60K | 2.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5250 N PALM,SUITE 424 FRESNO, CA 93704 | BLUE OF CALIFORNIA | — | $43K | $43K | 2.08% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INS SERV,INC | 5250 N PALM AVE STE 403 FRESNO, CA 93704 | BLUE OF CALIFORNIA | $369 | $37K | $37K | 1.78% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INS. SVCS | 5250 N PALM AVE STE 403 FRESNO, CA 937042214 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 1.52% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC | 2290 LUCIEN WAY STE 400 MAITLAND, FL 327517058 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 1.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERV. INC | 125 EAST ELM ST CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.38% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES | 5250 N PALM AVE STE 403 FRESNO, CA 937042214 | STANDARD INSURANCE COMPANY | $722 | $183 | $905 | 2.95% |
| MULTIPLE BROKERS3 | 120 BECKWITH ST CRANSTON, RI 02910 | AFLAC | $3K | — | $3K | 28.19% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE OF CALIFORNIA | 315 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 297 | $181K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 297 | $181K |
| Life insurance | STANDARD INSURANCE COMPANY | 87 | $31K |
| Prescription drug | BLUE OF CALIFORNIA | 315 | $2.1M |
| Other | HALYCON BEHAVIORAL LLC | 180 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
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.