| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 6005 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $9K | $0 | $9K | 8.30% |
| SHEPLER & FEAR GENERAL AGENCY3 Filed as: SHEPLER AND FEAR GENERAL AGENCY INC | 400 SUNRISE AVENUE, SUITE 150 ROSEVILLE, CA 95661 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 3.94% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FIN. SVS. | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $425 | $0 | $425 | 0.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | PO BOX 28932 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE COMPANY | $688 | $75 | $763 | 6.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | METROPOLITAN LIFE INSURANCE COMPANY | $387 | $0 | $387 | 3.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98 | $98 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29 | $29 | 0.23% |
| MJ INSURANCE3 Filed as: MARK HALIM HABER AND VARIOUS AGENTS | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | AFLAC | $143 | $0 | $143 | 2.24% |
| EDITH L RODRIGUEZ3 | 1041 MEADOWVIEW AVENUE EL CENTRO, CA 92243 | AFLAC | $133 | $0 | $133 | 2.08% |
| CONI S STOKELY3 | PO BOX 196 BRAWLEY, CA 92227 | AFLAC | $121 | $0 | $121 | 1.89% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $65 | $0 | $65 | 1.02% |
| DANIEL RODRIGUEZ3 | 556 APOLONIA DRIVE IMPERIAL, CA 92251 | AFLAC | $63 | $0 | $63 | 0.99% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DRIVE SAINT CLOUD, FL 34771 | AFLAC | $57 | $0 | $57 | 0.89% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $36 | $0 | $36 | 0.56% |
| DANIEL RODRIGUEZ3 | 556 APOLONIA DRIVE IMPERIAL, CA 92251 | AFLAC | $151 | $0 | $151 | 2.96% |
| CONI S STOKELY3 | PO BOX 196 BRAWLEY, CA 92227 | AFLAC | $149 | $0 | $149 | 2.92% |
| EDITH L RODRIGUEZ3 | 1041 MEADOWVIEW AVENUE EL CENTRO, CA 92243 | AFLAC | $80 | $0 | $80 | 1.57% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DRIVE SAINT CLOUD, FL 34771 | AFLAC | $77 | $0 | $77 | 1.51% |
| MJ INSURANCE3 Filed as: KRISTIN BEAN AND VARIOUS AGENTS | 5058 HAWLEY BOULEVARD SAN DIEGO, CA 92116 | AFLAC | $38 | $0 | $38 | 0.74% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $35 | $0 | $35 | 0.69% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $21 | $0 | $21 | 0.41% |
| EDITH L RODRIGUEZ3 | 1041 MEADOWVIEW AVENUE EL CENTRO, CA 92243 | AFLAC | $106 | $0 | $106 | 3.87% |
| CONI S STOKELY3 | PO BOX 196 BRAWLEY, CA 92227 | AFLAC | $100 | $0 | $100 | 3.65% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DRIVE SAINT CLOUD, FL 34771 | AFLAC | $52 | $0 | $52 | 1.90% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $20 | $0 | $20 | 0.73% |
| KRISTIN BEAN3 | 5058 HAWLEY BOULEVARD SAN DIEGO, CA 92116 | AFLAC | $4 | $0 | $4 | 0.15% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVENUE, SUITE 413 LA MESA, CA 91942 | AFLAC | $2 | $0 | $2 | 0.07% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 405 | $111K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $12K |
| Life insurance(3 contracts) | AFLAC | 8 | $14K |
| Short-term disability(3 contracts) | AFLAC | 8 | $14K |
| Other(3 contracts) | AFLAC | 8 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.