| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS, INC. | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, CA 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $0 | $27K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 255387 SACRAMENTO, CA 95865 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 10.19% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.08% |
| MARISOL MENDOZA3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $22 | $2K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS, INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $2K | $0 | $2K | 4.86% |
| MJ INSURANCE3 Filed as: ANN M. ALESSANDRI & VARIOUS AGENTS | 1410 NORTH ROOSEVELT AVENUE FRESNO, CA 93728 | AFLAC | $1K | $0 | $1K | 2.89% |
| ANGEL MICHELLE PANIAGUA3 | 3845 EAST ASHLAN AVENUE FRESNO, CA 93726 | AFLAC | $1K | $26 | $1K | 2.52% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INSURANCE SERVICES INC | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $962 | $13 | $975 | 2.13% |
| JOHNANNA S HAAS3 Filed as: JOHNANNA S. HAAS | 7602 NORTH LEONARD AVENUE CLOVIS, CA 93619 | AFLAC | $642 | $0 | $642 | 1.40% |
| BERNAVE NUNEZ3 | 784 EAST SPRINGFIELD AVENUE REEDLEY, CA 93654 | AFLAC | $394 | $46 | $440 | 0.96% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $927 | $0 | $927 | 6.18% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $156 | $0 | $156 | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $940 | $52 | $992 | 14.30% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $548K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $87K |
| Vision | VISION SERVICE PLAN | 83 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $7K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $548K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.