| 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 | $17K | $0 | $17K | 2.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $496 | $0 | $496 | 0.08% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FIN. SVCS., INC | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCES. | 600 CORPORATE POINTE, SUITE 600 CULVERT CITY, CA 90230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $571 | $3 | $574 | 4.07% |
| QUALLS & ASSOCIATES INSURANCE3 Filed as: QUALLS AND ASSOICATES INS. SERVICES | 1865 HERNDON AVENUE CLOVIS, CA 93611 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $507 | $0 | $507 | 3.59% |
| JEFFREY LYNNE DRAKE3 | 10233 NORTH STERLING LANE FRESNO, CA 93730 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $288 | $95 | $383 | 2.72% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $50 | $283 | 2.01% |
| RYAN D NEACE3 Filed as: RYAN D. NEACE | 3425 NW 47TH DRIVE CAMAS, WA 98607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $278 | $0 | $278 | 1.97% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $18 | $224 | 1.59% |
| MJ INSURANCE3 Filed as: LORI ANN BURNS AND VARIOUS AGENTS | 1558 NORTH OXFORD AVENUE CLOVIS, CA 93619 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $0 | $136 | 0.96% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $773 | $0 | $773 | 6.55% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $598K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 195 | $53K |
| Vision | VISION SERVICE PLAN | 112 | $12K |
| Life insurance(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $621K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $14K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $586K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.