| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK EDWARD AHART3 Filed as: JACK AHART INSURANCE SERVICES | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | PAN-AMERICAN LIFE INSURANCE COMPANY | $43K | — | $43K | 18.75% |
| XL BENEFIT INSURANCE SERVICES3 | 4304 SALONIKA COURT ELK GROVE, CA 957586092 | PAN-AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 6.25% |
| AHART INSURANCE SERVICES3 Filed as: AHART BENEFIT INSURANCE SERVICES | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 10.00% |
| JACK EDWARD AHART3 Filed as: JACK W. AHART INSURANCE SERVICES | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.21% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 3,121 | $232K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $165K |
| Vision | UNION SECURITY INSURANCE COMPANY | 408 | $36K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $13K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,121 | — |
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.