| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $3K | $7K | 8.99% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $5K | $0 | $5K | 8.12% |
| MARISOL MENDOZA3 | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $4K | $111 | $4K | 6.40% |
| ANGEL MICHELLE PANIAGUA3 | 3845 EAST ASHLAN AVENUE FRESNO, CA 93726 | AFLAC | $3K | $243 | $4K | 5.84% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INS. SERVICES INC. | 1255 WEST SHAW AVENUE SUITE 100A FRESNO, CA 93711 | AFLAC | $2K | $56 | $2K | 2.82% |
| MJ INSURANCE3 Filed as: ANN ALESSANDRI & VARIOUS AGENTS | 1410 NORTH ROOSEVELT AVENUE FRESNO, CA 93728 | AFLAC | $1K | $0 | $1K | 1.80% |
| JOHNANNA S HAAS3 Filed as: JOHNANNA S. HAAS | 7602 NORTH LEONARD AVENUE CLOVIS, CA 93619 | AFLAC | $598 | $0 | $598 | 0.97% |
| BERNAVE NUNEZ3 Filed as: BERNAVE NUNUZ | 784 EAST SPRINGFIELD AVENUE REEDLEY, CA 93654 | AFLAC | $308 | $0 | $308 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $649 | $0 | $649 | 3.96% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $587 | $0 | $587 | 3.58% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $204 | $0 | $204 | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $367 | $2K | 18.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN FRESNO, CA 93704 | TELEHEALTH | $1 | $0 | $1 | — |
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) | TELEHEALTH | 114 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $81K |
| Vision | VISION SERVICE PLAN | 93 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $9K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.